Capital City Bank (CCBG) 10-Q 7 Aug 15 2015 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Jul. 31, 2015
Document And Entity Information
Entity Registrant Name	CAPITAL CITY BANK GROUP INC
Entity Central Index Key	726,601
Document Type	10-Q
Document Period End Date	Jun. 30, 2015
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity a Well-known Seasoned Issuer	No
Entity a Voluntary Filer	No
Entity's Reporting Status Current	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		17,154,236
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2,015

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
ASSETS
Cash and Due From Banks	$ 61,484	$ 55,467
Federal Funds Sold and Interest Bearing Deposits	185,572	329,589
Total Cash and Cash Equivalents	247,056	385,056
Investment Securities, Available for Sale, at fair value	433,688	341,548
Investment Securities, Held to Maturity, at amortized cost (fair value of $201,929 and $163,412)	201,929	163,412
Total Investment Securities	635,617	504,960
Loans Held For Sale	10,991	10,688
Loans, Net of Unearned Income	1,474,265	1,431,374
Allowance for Loan Losses	(15,236)	(17,539)
Loans, Net	1,459,029	1,413,835
Premises and Equipment, Net	99,108	101,899
Goodwill	84,811	84,811
Other Real Estate Owned	30,167	35,680
Other Assets	87,489	90,071
Total Assets	2,654,144	2,627,169
Deposits:
Noninterest Bearing Deposits	723,866	659,115
Interest Bearing Deposits	1,440,778	1,487,679
Total Deposits	2,164,644	2,146,794
Short-Term Borrowings	53,698	49,425
Subordinated Notes Payable	62,887	62,887
Other Long-Term Borrowings	29,733	31,097
Other Liabilities	71,144	64,426
Total Liabilities	$ 2,382,106	$ 2,354,629
SHAREOWNERS' EQUITY
Preferred Stock, $.01 par value; 3,000,000 shares authorized; no shares issued and outstanding
Common Stock, $.01 par value; 90,000,000 shares authorized; 17,154,233 and 17,447,223 shares issued and outstanding at June 30, 2015 and December 31, 2014, respectively	$ 172	$ 174
Additional Paid-In Capital	37,625	42,569
Retained Earnings	255,096	251,306
Accumulated Other Comprehensive Loss, Net of Tax	(20,855)	(21,509)
Total Shareowners' Equity	272,038	272,540
Total Liabilities and Shareowners' Equity	$ 2,654,144	$ 2,627,169

CONSOLIDATED STATEMENTS OF FIN3

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Investment Securities, Held to Maturity, at amortized cost	$ 201,929	$ 163,412
Preferred Stock, par value (in dollar per share)	$ 0.01	$ 0.01
Preferred Stock, shares authorized	3,000,000	3,000,000
Preferred Stock, shares outstanding
Preferred Stock, shares issued
Common Stock, par value (in dollar per share)	$ 0.01	$ 0.01
Common Stock, shares authorized	90,000,000	90,000,000
Common Stock, shares issued	17,154,233	17,447,223
Common Stock, shares outstanding	17,154,233	17,447,223

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
INTEREST INCOME
Loans, including Fees	$ 18,231	$ 18,152	$ 36,094	$ 36,250
Investment Securities:
Taxable Securities	1,299	815	2,484	1,519
Tax Exempt Securities	152	124	261	267
Federal Funds Sold and Interest Bearing Deposits	151	257	340	548
Total Interest Income	19,833	19,348	39,179	38,584
INTEREST EXPENSE
Deposits	259	293	505	601
Short-Term Borrowings	15	17	36	37
Subordinated Notes Payable	338	331	670	662
Other Long-Term Borrowings	237	269	477	560
Total Interest Expense	849	910	1,688	1,860
NET INTEREST INCOME	18,984	18,438	37,491	36,724
Provision for Loan Losses	375	499	668	858
Net Interest Income After Provision for Loan Losses	18,609	17,939	36,823	35,866
NONINTEREST INCOME
Deposit Fees	5,682	6,213	11,223	12,082
Bank Card Fees	2,844	2,820	5,586	5,527
Wealth Management Fees	1,776	1,852	3,822	3,770
Mortgage Banking Fees	1,203	738	2,190	1,363
Data Processing Fees	364	388	737	929
Other	2,925	1,336	4,084	2,461
Total Noninterest Income	14,794	13,347	27,642	26,132
NONINTEREST EXPENSE
Compensation	16,404	15,206	32,928	30,987
Occupancy, Net	4,258	4,505	8,654	8,803
Other Real Estate Owned, Net	931	2,276	2,428	3,675
Other	6,846	7,089	13,819	13,977
Total Noninterest Expense	28,439	29,076	57,829	57,442
INCOME BEFORE INCOME TAXES	4,964	2,210	6,636	4,556
Income Tax Expense (Benefit)	1,119	737	1,805	(668)
NET INCOME	$ 3,845	$ 1,473	$ 4,831	$ 5,224
BASIC NET INCOME PER SHARE (in dollars per shares)	$ 0.22	$ 0.08	$ 0.28	$ 0.3
DILUTED NET INCOME PER SHARE (in dollars per shares)	$ 0.22	$ 0.08	$ 0.28	$ 0.3
Average Basic Common Shares Outstanding (in shares)	17,296	17,427	17,402	17,413
Average Diluted Common Shares Outstanding (in shares)	17,358	17,488	17,456	17,463

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Income Statement [Abstract]
NET INCOME	$ 3,845	$ 1,473	$ 4,831	$ 5,224
Other comprehensive income (loss), before tax:
Change in net unrealized gain/loss on securities available for sale	(117)	257	1,029	252
Amortization of unrealized losses on securities transferred from available for sale to held to maturity	19	16	36	36
Other comprehensive (loss) income, before tax	(98)	273	1,065	288
Deferred tax expense (benefit) related to other comprehensive income	37	105	(411)	112
Other comprehensive (loss) income, net of tax	(61)	168	654	176
TOTAL COMPREHENSIVE INCOME	$ 3,784	$ 1,641	$ 5,485	$ 5,400

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings / Accumulated Deficit [Member]	Other Comprehensive Income / Loss [Member]	Total
Balance at Dec. 31, 2013	$ 174	$ 41,152	$ 243,614	$ (8,540)	$ 276,400
Balance (in shares) at Dec. 31, 2013	17,360,960
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income			5,224		5,224
Other Comprehensive Loss, Net of Tax				$ 176	176
Cash Dividends			$ (696)		(696)
Stock Compensation Expense		$ 526			526
Impact of Transactions Under Compensation Plans, net		(50)			(50)
Impact of Transactions Under Compensation Plans, net (in shares)	88,497
Balance at Jun. 30, 2014	$ 174	41,628	$ 248,142	$ (8,364)	281,580
Balance, Shares at Jun. 30, 2014	17,449,457
Balance at Dec. 31, 2014	$ 174	$ 42,569	251,306	$ (21,509)	$ 272,540
Balance (in shares) at Dec. 31, 2014	17,447,223				17,447,223
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income			4,831		$ 4,831
Other Comprehensive Loss, Net of Tax				$ 654	654
Cash Dividends			$ (1,041)		(1,041)
Repurchase of Common Stock	$ (3)	$ (5,795)			(5,798)
Repurchase of Common Stock (in shares)	(392,981)
Stock Compensation Expense		522			522
Impact of Transactions Under Compensation Plans, net	$ 1	329			330
Impact of Transactions Under Compensation Plans, net (in shares)	99,991
Balance at Jun. 30, 2015	$ 172	$ 37,625	$ 255,096	$ (20,855)	$ 272,038
Balance, Shares at Jun. 30, 2015	17,154,233				17,154,233

CONSOLIDATED STATEMENTS OF CHA7

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREOWNERS' EQUITY (Parenthetical) - $ / shares	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Statement of Stockholders' Equity [Abstract]
Cash Dividends (in dollars per share)	$ 0.0600	$ 0.0400

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income	$ 4,831	$ 5,224
Adjustments to Reconcile Net Income to Cash Provided by Operating Activities:
Provision for Loan Losses	668	858
Depreciation	3,259	3,246
Amortization of Premiums, Discounts, and Fees (net)	$ 2,269	2,521
Amortization of Intangible Assets		$ 32
Impairment Loss on Security	$ 90
Net Decrease in Loans Held-for-Sale	(303)	$ (1,975)
Stock Compensation	522	526
Deferred Income Taxes	2,591	1,390
Loss on Sales and Write-Downs of Other Real Estate Owned	1,309	$ 2,382
Loss on Disposal of Equipment	20
Net Decrease in Other Assets	1,043	$ 1,796
Net Increase (Decrease) in Other Liabilities	6,768	(2,834)
Net Cash Provided By Operating Activities	23,067	13,166
Securities Held to Maturity:
Purchases	(62,634)	(51,311)
Payments, Maturities, and Calls	23,782	18,325
Securities Available-for-Sale:
Purchases	(136,542)	(89,578)
Payments, Maturities, and Calls	43,417	64,239
Net Increase in Loans	(48,409)	(29,452)
Proceeds From Sales of Other Real Estate Owned	6,760	12,377
Purchases of Premises and Equipment	(1,641)	(2,002)
Net Cash Used In Investing Activities	(175,267)	(77,402)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net Increase (Decrease) in Deposits	17,850	(27,798)
Net Increase (Decrease) in Short-Term Borrowings	4,273	(15,829)
Repayment of Other Long-Term Borrowings	(1,364)	(3,521)
Dividends Paid	(1,041)	$ (696)
Payments to Repurchase Common Stock	(5,798)
Issuance of Common Stock Under Compensation Plans	280	$ 341
Net Cash Provided By (Used In) Financing Activities	14,200	(47,503)
NET DECREASE IN CASH AND CASH EQUIVALENTS	(138,000)	(111,739)
Cash and Cash Equivalents at Beginning of Period	385,056	529,928
Cash and Cash Equivalents at End of Period	247,056	418,189
Supplemental Cash Flow Disclosures:
Interest Paid	1,694	1,915
Income Taxes Paid	171	2,635
Noncash Investing and Financing Activities:
Loans Transferred to Other Real Estate Owned	$ 2,830	9,267
Transfer of Current Portion of Long-Term Borrowings		$ 1,240

SIGNIFICANT ACCOUNTING POLICIES

SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 2015
Organization, Consolidation and Presentation of Financial Statements [Abstract]
SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 - SIGNIFICANT ACCOUNTING POLICIES Nature of Operations Basis of Presentation The accompanying unaudited consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. The consolidated statement of financial condition at December 31, 2014 has been derived from the audited consolidated financial statements at that date but does not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s annual report on Form 10-K for the year ended December 31, 2014.

INVESTMENT SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Jun. 30, 2015
Investments, Debt and Equity Securities [Abstract]
INVESTMENT SECURITIES	NOTE 2 – INVESTMENT SECURITIES Investment Portfolio Composition June 30, 2015 December 31, 2014 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Available for Sale U.S. Government Treasury $ 242,833 $ 1,157 $ — $ 243,990 $ 185,830 $ 220 $ 19 $ 186,031 U.S. Government Agency 102,700 414 116 102,998 95,950 289 142 96,097 States and Political Subdivisions 75,961 78 165 75,874 48,405 65 82 48,388 Mortgage-Backed Securities 1,946 185 — 2,131 2,094 193 — 2,287 Equity Securities (1) 8,695 — — 8,695 8,745 — — 8,745 Total $ 432,135 $ 1,834 $ 281 $ 433,688 $ 341,024 $ 767 $ 243 $ 341,548 Held to Maturity U.S. Government Treasury $ 134,786 $ 580 $ 8 $ 135,358 $ 76,179 $ 144 $ 6 $ 76,317 U.S. Government Agency 10,077 40 — 10,117 19,807 29 19 19,817 States and Political Subdivisions 22,883 19 12 22,890 26,717 36 6 26,747 Mortgage-Backed Securities 34,059 26 521 33,564 40,878 33 380 40,531 Total $ 201,805 $ 665 $ 541 $ 201,929 $ 163,581 $ 242 $ 411 $ 163,412 Total Investment Securities $ 633,940 $ 2,499 $ 822 $ 635,617 $ 504,605 $ 1,009 $ 654 $ 504,960 (1) Includes Federal Home Loan Bank, Federal Reserve Bank, and FNBB, Inc stock recorded at cost of $3.7 million, $4.8 million, and $0.2 million, respectively, at June 30, 2015 and Federal Home Loan Bank, Federal Reserve Bank, and Bankers Bancorporation of Florida, Inc. stock recorded at cost of $3.9 million, $4.8 million, and $0.1 million, respectively, at December 31, 2014. Securities with an amortized cost of $286.6 million and $337.9 million at June 30, 2015 and December 31, 2014, respectively, were pledged to secure public deposits and for other purposes. The Bank, as a member of the Federal Home Loan Bank of Atlanta (“FHLB”), is required to own capital stock in the FHLB based generally upon the balances of residential and commercial real estate loans, and FHLB advances. FHLB stock which is included in other securities is pledged to secure FHLB advances. No ready market exists for this stock, and it has no quoted market value; however, redemption of this stock has historically been at par value. Maturity Distribution Available for Sale Held to Maturity (Dollars in Thousands) Amortized Market Amortized Market Due in one year or less $ 56,181 $ 56,257 $ 16,625 $ 16,644 Due after one through five years 294,554 295,594 151,121 151,720 Mortgage-Backed Securities 1,946 2,131 34,059 33,565 U.S. Government Agency 70,759 71,011 — — Equity Securities 8,695 8,695 — — Total $ 432,135 $ 433,688 $ 201,805 $ 201,929 Unrealized Losses on Investment Securities. Less Than Greater Than Total (Dollars in Thousands) Market Unrealized Market Unrealized Market Unrealized June 30, 2015 A vailable for Sale U.S. Government Agency $ 16,480 $ 50 $ 12,642 $ 66 $ 29,122 $ 116 States and Political Subdivisions 40,727 162 782 3 41,509 165 Total 57,207 212 13,424 69 70,631 281 Held to Maturity U.S. Government Treasury 5,053 8 — — 5,053 8 States and Political Subdivisions 4,986 12 154 — 5,140 12 Mortgage-Backed Securities 13,386 278 14,332 243 27,718 521 Total $ 23,425 $ 298 $ 14,486 $ 243 $ 37,911 $ 541 December 31, 2014 Available for Sale U.S. Government Treasury $ 35,838 $ 19 $ — $ — $ 35,838 $ 19 U.S. Government Agency 18,160 54 18,468 88 36,628 142 States and Political Subdivisions 16,497 77 505 5 17,002 82 Total 70,495 150 18,973 93 89,468 243 Held to Maturity U.S. Government Treasury 15,046 6 — — 15,046 6 U.S. Government Agency 10,002 19 — — 10,002 19 States and Political Subdivisions 3,788 6 — — 3,788 6 Mortgage-Backed Securities 15,066 149 18,155 231 33,221 380 Total $ 43,902 $ 180 $ 18,155 $ 231 $ 62,057 $ 411 Management evaluates securities for other than temporary impairment at least quarterly, and more frequently when economic or market concerns warrant such evaluation. Consideration is given to: 1) the length of time and the extent to which the fair value has been less than amortized cost, 2) the financial condition and near-term prospects of the issuer, and 3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in cost. In analyzing an issuer’s financial condition, management considers whether the securities are issued by the federal government or its agencies, whether downgrades by rating agencies have occurred, regulatory issues, and analysts’ reports. Approximately $13.4 million of investment securities, with an unrealized loss of approximately $69,000, have been in a loss position for greater than 12 months. These debt securities are in a loss position because they were acquired when the general level of interest rates was lower than that on June 30, 2015. The Company believes that the unrealized losses in these debt securities are temporary in nature and that the full principal will be collected as anticipated. Because the declines in the market value of these investments are attributable to changes in interest rates and not credit quality and because the Company does not intend to sell the investments and it is more likely than not that the Company will not be required to sell the investments before recovery of their amortized costs bases, which may be at maturity, the Company does not consider these investments to be other-than-temporarily impaired at June 30, 2015. For the second quarter of 2015, we recognized a permanent impairment loss of $90,000 related to an equity investment (Bankers Bancorporation of Florida, Inc.).

LOANS, NET

LOANS, NET	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
LOANS, NET	NOTE 3 – LOANS, NET Loan Portfolio Composition (Dollars in Thousands) June 30, 2015 December 31, 2014 Commercial, Financial and Agricultural $ 151,116 $ 136,925 Real Estate – Construction 44,216 41,596 Real Estate – Commercial Mortgage 510,962 510,120 Real Estate – Residential (1) 296,381 295,969 Real Estate – Home Equity 230,388 229,572 Consumer 241,202 217,192 Loans, Net of Unearned Income $ 1,474,265 $ 1,431,374 (1) Includes loans in process with outstanding balances of $12.6 million and $7.4 million at June 30, 2015 and December 31, 2014, respectively. Net deferred fees included in loans were $1.5 million at June 30, 2015 and December 31, 2014. The Company has pledged a blanket floating lien on all 1-4 family residential mortgage loans, commercial real estate mortgage loans, and home equity loans to support available borrowing capacity at the FHLB of Atlanta and has pledged a blanket floating lien on all consumer loans, commercial loans, and construction loans to support available borrowing capacity at the Federal Reserve Bank of Atlanta. Nonaccrual Loans The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans. June 30, 2015 December 31, 2014 (Dollars in Thousands) Nonaccrual 90 + Days Nonaccrual 90 + Days Commercial, Financial and Agricultural $ 420 $ — $ 507 $ — Real Estate – Construction 333 — 424 — Real Estate – Commercial Mortgage 6,395 — 5,806 — Real Estate – Residential 5,978 — 6,737 — Real Estate – Home Equity 2,095 — 2,544 — Consumer 99 — 751 — Total Nonaccrual Loans $ 15,320 $ — $ 16,769 $ — Loan Portfolio Aging. The following table presents the aging of the recorded investment in past due loans by class of loans. (Dollars in Thousands) 30-59 DPD 60-89 DPD 90 + DPD Total Past Due Total Current Total Loans June 30, 2015 Commercial, Financial and Agricultural $ 57 $ — $ — $ 57 $ 150,639 $ 151,116 Real Estate – Construction — — — — 43,883 44,216 Real Estate – Commercial Mortgage 2,640 68 — 2,708 501,859 510,962 Real Estate – Residential 1,020 811 — 1,831 288,572 296,381 Real Estate – Home Equity 451 — — 451 227,842 230,388 Consumer 626 185 — 811 240,292 241,202 Total Past Due Loans $ 4,794 $ 1,064 $ — $ 5,858 $ 1,453,087 $ 1,474,265 December 31, 2014 Commercial, Financial and Agricultural $ 352 $ 155 $ — $ 507 $ 135,911 $ 136,925 Real Estate – Construction 690 — — 690 40,482 41,596 Real Estate – Commercial Mortgage 1,701 569 — 2,270 502,044 510,120 Real Estate – Residential 682 1,147 — 1,829 287,403 295,969 Real Estate – Home Equity 689 85 — 774 226,254 229,572 Consumer 625 97 — 722 215,719 217,192 Total Past Due Loans $ 4,739 $ 2,053 $ — $ 6,792 $ 1,407,813 $ 1,431,374 Allowance for Loan Losses The following table details the activity in the allowance for loan losses by portfolio class. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. (Dollars in Thousands) Commercial, Financial, Agricultural Real Estate Construction Real Estate Commercial Mortgage Real Estate Residential Real Estate Home Equity Consumer Total Three Months Ended June 30, 2015 Beginning Balance $ 903 $ 574 $ 4,501 $ 6,195 $ 2,547 $ 1,370 $ 16,090 Provision for Loan Losses 171 (214 ) 5 (257 ) 410 260 375 Charge-Offs (239 ) — (285 ) (484 ) (454 ) (351 ) (1,813 ) Recoveries 82 — 54 200 33 215 584 Net Charge-Offs (157 ) — (231 ) (284 ) (421 ) (136 ) (1,229 ) Ending Balance $ 917 $ 360 $ 4,275 $ 5,654 $ 2,536 $ 1,494 $ 15,236 Six Months Ended June 30, 2015 Beginning Balance $ 784 $ 843 $ 5,287 $ 6,520 $ 2,882 $ 1,223 $ 17,539 Provision for Loan Losses 525 (483 ) 93 (325 ) 233 625 668 Charge-Offs (529 ) — (1,189 ) (789 ) (636 ) (927 ) (4,070 ) Recoveries 137 — 84 248 57 573 1,099 Net Charge-Offs (392 ) — (1,105 ) (541 ) (579 ) (354 ) (2,971 ) Ending Balance $ 917 $ 360 $ 4,275 $ 5,654 $ 2,536 $ 1,494 $ 15,236 Three Months Ended June 30, 2014 Beginning Balance $ 633 $ 1,842 $ 7,080 $ 8,842 $ 2,853 $ 860 $ 22,110 Provision for Loan Losses 114 (576 ) (56 ) 15 523 479 499 Charge-Offs (86 ) — (1,029 ) (695 ) (375 ) (421 ) (2,606 ) Recoveries 45 1 152 52 65 225 540 Net Charge-Offs (41 ) 1 (877 ) (643 ) (310 ) (196 ) (2,066 ) Ending Balance $ 706 $ 1,267 $ 6,147 $ 8,214 $ 3,066 $ 1,143 $ 20,543 Six Months Ended June 30, 2014 Beginning Balance $ 699 $ 1,580 $ 7,710 $ 9,073 $ 3,051 $ 982 $ 23,095 Provision for Loan Losses (16 ) (318 ) (119 ) 120 717 474 858 Charge-Offs (97 ) — (1,623 ) (1,426 ) (778 ) (826 ) (4,750 ) Recoveries 120 5 179 447 76 513 1,340 Net Charge-Offs 23 5 (1,444 ) (979 ) (702 ) (313 ) (3,410 ) Ending Balance $ 706 $ 1,267 $ 6,147 $ 8,214 $ 3,066 $ 1,143 $ 20,543 The following table details the amount of the allowance for loan losses by portfolio class disaggregated on the basis of the Company’s impairment methodology. (Dollars in Thousands) Commercial, Financial, Agricultural Real Estate Construction Real Estate Commercial Mortgage Real Estate Residential Real Estate Home Equity Consumer Total June 30, 2015 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 288 $ — $ 2,070 $ 1,980 $ 453 $ 12 $ 4,803 Loans Collectively Evaluated for Impairment 629 360 2,205 3,674 2,083 1,482 10,433 Ending Balance $ 917 $ 360 $ 4,275 $ 5,654 $ 2,536 $ 1,494 $ 15,236 December 31, 2014 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 293 $ — $ 2,733 $ 2,113 $ 638 $ 5 $ 5,782 Loans Collectively Evaluated for Impairment 491 843 2,554 4,407 2,244 1,218 11,757 Ending Balance $ 784 $ 843 $ 5,287 $ 6,520 $ 2,882 $ 1,223 $ 17,539 June 30, 2014 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 185 $ 63 $ 3,565 $ 2,563 $ 305 $ 20 $ 6,701 Loans Collectively Evaluated for Impairment 521 1,204 2,582 5,651 2,761 1,123 13,842 Ending Balance $ 706 $ 1,267 $ 6,147 $ 8,214 $ 3,066 $ 1,143 $ 20,543 The Company’s recorded investment in loans related to each balance in the allowance for loan losses by portfolio class and disaggregated on the basis of the Company’s impairment methodology was as follows: (Dollars in Thousands) Commercial, Financial, Agricultural Real Estate Construction Real Estate Commercial Mortgage Real Estate Residential Real Estate Home Equity Consumer Total June 30, 2015 Individually Evaluated for Impairment $ 1,072 $ 311 $ 29,746 $ 18,918 $ 2,960 $ 171 $ 53,178 Collectively Evaluated for Impairment 150,044 43,905 481,216 277,463 227,428 241,031 1,421,087 Total $ 151,116 $ 44,216 $ 510,962 $ 296,381 $ 230,388 $ 241,202 $ 1,474,265 December 31, 2014 Individually Evaluated for Impairment $ 1,040 $ 401 $ 32,242 $ 20,120 $ 3,074 $ 216 $ 57,093 Collectively Evaluated for Impairment 135,885 41,195 477,878 275,849 226,498 216,976 1,374,281 Total $ 136,925 $ 41,596 $ 510,120 $ 295,969 $ 229,572 $ 217,192 $ 1,431,374 June 30, 2014 Individually Evaluated for Impairment $ 1,378 $ 821 $ 40,516 $ 22,273 $ 2,563 $ 315 $ 67,866 Collectively Evaluated for Impairment 133,455 33,423 478,064 283,556 225,669 183,558 1,337,725 Total $ 134,833 $ 34,244 $ 518,580 $ 305,829 $ 228,232 $ 183,873 $ 1,405,591 Impaired Loans The following table presents loans individually evaluated for impairment by class of loans. (Dollars in Thousands) Unpaid Principal Balance Recorded Investment With No Allowance Recorded Investment With Allowance Related Allowance June 30, 2015 Commercial, Financial and Agricultural $ 1,072 $ 176 $ 896 $ 288 Real Estate – Construction 311 311 — — Real Estate – Commercial Mortgage 29,746 11,626 18,120 2,070 Real Estate – Residential 18,918 4,578 14,340 1,980 Real Estate – Home Equity 2,960 1,046 1,914 453 Consumer 171 25 146 12 Total $ 53,178 $ 17,762 $ 35,416 $ 4,803 December 31, 2014 Commercial, Financial and Agricultural $ 1,040 $ 189 $ 851 $ 293 Real Estate – Construction 401 401 — — Real Estate – Commercial Mortgage 32,242 11,984 20,258 2,733 Real Estate – Residential 20,120 5,492 14,628 2,113 Real Estate – Home Equity 3,074 758 2,316 638 Consumer 216 3 213 5 Total $ 57,093 $ 18,827 $ 38,266 $ 5,782 The following table summarizes the average recorded investment and interest income recognized by class of impaired loans. Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (Dollars in Thousands) Average Recorded Investment Total Interest Income Average Recorded Investment Total Interest Income Average Recorded Investment Total Interest Income Average Recorded Investment Total Interest Income Commercial, Financial and Agricultural $ 1,162 $ 11 $ 1,482 $ 17 $ 1,121 $ 22 $ 1,514 $ 35 Real Estate – Construction 356 — 689 1 371 — 645 2 Real Estate – Commercial Mortgage 30,480 310 45,215 389 31,067 571 46,801 917 Real Estate – Residential 19,379 214 21,558 307 19,626 411 21,195 517 Real Estate – Home Equity 3,042 23 2,768 17 3,053 43 2,965 34 Consumer 183 2 338 2 194 4 344 5 Total $ 54,602 $ 560 $ 72,050 $ 733 $ 55,432 $ 1,051 $ 73,464 $ 1,510 Credit Risk Management Reporting systems have been implemented to monitor loan originations, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans. Management and the Credit Risk Oversight Committee periodically review our lines of business to monitor asset quality trends and the appropriateness of credit policies. In addition, total borrower exposure limits are established and concentration risk is monitored. As part of this process, the overall composition of the loan portfolio is reviewed to gauge diversification of risk, client concentrations, industry group, loan type, geographic area, or other relevant classifications of loans. Specific segments of the loan portfolio are monitored and reported to the Board on a quarterly basis and have strategic plans in place to supplement Board approved credit policies governing exposure limits and underwriting standards. Detailed below are the types of loans within the Company’s loan portfolio and risk characteristics unique to each. Commercial, Financial, and Agricultural – Loans in this category are primarily made based on identified cash flows of the borrower with consideration given to underlying collateral and personal or other guarantees. Lending policy establishes debt service coverage ratio limits that require a borrower’s cash flow to be sufficient to cover principal and interest payments on all new and existing debt. The majority of these loans are secured by the assets being financed or other business assets such as accounts receivable, inventory, or equipment. Collateral values are determined based upon third party appraisals and evaluations. Loan to value ratios at origination are governed by established policy guidelines. Real Estate Construction – Loans in this category consist of short-term construction loans, revolving and non-revolving credit lines and construction/permanent loans made to individuals and investors to finance the acquisition, development, construction or rehabilitation of real property. These loans are primarily made based on identified cash flows of the borrower or project and generally secured by the property being financed, including 1-4 family residential properties and commercial properties that are either owner-occupied or investment in nature. These properties may include either vacant or improved property. Construction loans are generally based upon estimates of costs and value associated with the completed project. Collateral values are determined based upon third party appraisals and evaluations. Loan to value ratios at origination are governed by established policy guidelines. The disbursement of funds for construction loans is made in relation to the progress of the project and as such these loans are closely monitored by on-site inspections. Real Estate Commercial Mortgage – Loans in this category consists of commercial mortgage loans secured by property that is either owner-occupied or investment in nature. These loans are primarily made based on identified cash flows of the borrower or project with consideration given to underlying real estate collateral and personal guarantees. Lending policy establishes debt service coverage ratios and loan to value ratios specific to the property type. Collateral values are determined based upon third party appraisals and evaluations. Real Estate Residential – Residential mortgage loans held in the Company’s loan portfolio are made to borrowers that demonstrate the ability to make scheduled payments with full consideration to underwriting factors such as current income, employment status, current assets, and other financial resources, credit history, and the value of the collateral. Collateral consists of mortgage liens on 1-4 family residential properties. Collateral values are determined based upon third party appraisals and evaluations. The Company does not originate sub-prime loans. Real Estate Home Equity – Home equity loans and lines are made to qualified individuals and are generally secured by senior or junior mortgage liens on owner-occupied 1-4 family homes or vacation homes. Borrower qualifications include favorable credit history combined with supportive income and debt ratio requirements and combined loan to value ratios within established policy guidelines. Collateral values are determined based upon third party appraisals and evaluations. Consumer Loans – This loan portfolio includes personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. The majority of the consumer loan portfolio consists of indirect and direct automobile loans. Lending policy establishes maximum debt to income ratios, minimum credit scores, and includes guidelines for verification of applicants’ income and receipt of credit reports. Credit Quality Indicators Special Mention – Loans in this category are presently protected from loss, but weaknesses are apparent which, if not corrected, could cause future problems. Loans in this category may not meet required underwriting criteria and have no mitigating factors. More than the ordinary amount of attention is warranted for these loans. Substandard – Loans in this category exhibit well-defined weaknesses that would typically bring normal repayment into jeopardy. These loans are no longer adequately protected due to well-defined weaknesses that affect the repayment capacity of the borrower. The possibility of loss is much more evident and above average supervision is required for these loans. Doubtful – Loans in this category have all the weaknesses inherent in a loan categorized as Substandard, with the characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The following table presents the risk category of loans by segment. (Dollars in Thousands) Commercial, Financial, Agriculture Real Estate Consumer Total Criticized Loans June 30, 2015 Special Mention $ 8,686 $ 37,412 $ 130 $ 46,228 Substandard 1,595 66,980 577 69,152 Doubtful — — — — Total Criticized Loans $ 10,281 $ 104,392 $ 707 $ 115,380 December 31, 2014 Special Mention $ 8,059 $ 51,060 $ 114 $ 59,233 Substandard 2,817 79,167 1,153 83,137 Doubtful — — — — Total Criticized Loans $ 10,876 $ 130,227 $ 1,267 $ 142,370 Troubled Debt Restructurings (“TDRs”) The following table presents loans classified as TDRs. June 30, 2015 December 31, 2014 (Dollars in Thousands) Accruing Nonaccruing Accruing Nonaccruing Commercial, Financial and Agricultural $ 778 $ 253 $ 838 $ 266 Real Estate – Construction — — — — Real Estate – Commercial Mortgage 23,646 952 26,565 1,591 Real Estate – Residential 15,071 1,995 14,940 2,532 Real Estate – Home Equity 1,969 157 1,856 356 Consumer 168 — 211 — Total TDRs $ 41,632 $ 3,357 $ 44,410 $ 4,745 Loans classified as TDRs during the periods indicated are presented in the table below. The modifications made during the reporting period involved either an extension of the loan term, an interest rate adjustment, or a principal moratorium, and the financial impact of these modifications was not material. Three Months Ended June 30, Six Months Ended June 30, 2015 2015 (Dollars in Thousands) Number of Contracts Pre-Modified Post-Modified Number of Contracts Pre-Modified Post-Modified Commercial, Financial and Agricultural — $ — $ — — $ — $ — Real Estate – Construction — — — — — — Real Estate – Commercial Mortgage 1 58 58 2 515 515 Real Estate – Residential 1 204 204 5 668 641 Real Estate – Home Equity — — — — — — Consumer — — — — — — Total TDRs 2 $ 262 $ 262 7 $ 1,183 $ 1,156 Three Months Ended June 30, Six Months Ended June 30, 2014 2014 (Dollars in Thousands) Number of Contracts Pre-Modified Post-Modified Number of Contracts Pre-Modified Post-Modified Commercial, Financial and Agricultural — $ — $ — 1 $ 51 $ 54 Real Estate – Construction — — — — — — Real Estate – Commercial Mortgage 1 60 60 2 644 644 Real Estate – Residential 3 271 317 6 1,107 1,207 Real Estate – Home Equity — — — 3 248 248 Consumer — — — 1 34 34 Total TDRs 4 $ 331 $ 377 13 $ 2,084 $ 2,187 For the three and six months ended June 30, 2015, there were no defaults for TDR loans that had been modified within the previous 12 months. For the three and six months ended June 30, 2014, loans modified as TDRs within the previous 12 months that have subsequently defaulted during the periods indicated are presented in the table below. Three Months Ended June 30, Six Months Ended June 30, 2014 2014 (Dollars in Thousands) Number of Post-Modified Number of Post-Modified Commercial, Financial and Agricultural — $ — — $ — Real Estate – Construction — — — — Real Estate – Commercial Mortgage — — — — Real Estate – Residential 1 118 1 118 Real Estate – Home Equity 1 153 1 153 Consumer — — — — Total TDRs 2 $ 271 2 $ 271 (1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable. The following table provides information on how TDRs were modified during the periods indicated. Three Months Ended June 30, Six Months Ended June 30, 2015 2015 (Dollars in Thousands) Number of Contracts Recorded Investment (1) Number of Contracts Recorded Investment (1) Extended amortization — $ — 1 $ 118 Interest rate adjustment — — 1 156 Extended amortization and interest rate adjustment 2 262 5 882 Other — — — — Total TDRs 2 $ 262 7 $ 1,156 Three Months Ended June 30, Six Months Ended June 30, 2014 2014 (Dollars in Thousands) Number of Contracts Recorded Investment (1) Number of Contracts Recorded Investment (1) Extended amortization 3 $ 317 6 $ 1,579 Interest rate adjustment — — 1 156 Extended amortization and interest rate adjustment 1 60 3 257 Other — — 3 195 Total TDRs 4 $ 377 13 $ 2,187 (1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

OTHER REAL ESTATE OWNED

OTHER REAL ESTATE OWNED	6 Months Ended
	Jun. 30, 2015
DisclosureOtherRealEstateOwnedAbstract
Other Real Estate Owned	NOTE 4 – OTHER REAL ESTATE OWNED The following table presents other real estate owned activity for the periods indicated. Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2015 2014 2015 2014 Beginning Balance $ 33,835 $ 44,036 $ 35,680 $ 48,071 Additions 1,088 7,977 2,830 9,267 Valuation Write-downs (505 ) (822 ) (1,306 ) (1,552 ) Sales (4,026 ) (8,612 ) (6,763 ) (13,207 ) Other (225 ) — (274 ) — Ending Balance $ 30,167 $ 42,579 $ 30,167 $ 42,579 Net expenses applicable to other real estate owned include the following: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2015 2014 2015 2014 Gains from the Sale of Properties $ (534 ) $ (88 ) $ (655 ) $ (334 ) Losses from the Sale of Properties 348 808 658 1,164 Rental Income from Properties (43 ) (62 ) (231 ) (275 ) Property Carrying Costs 655 795 1,350 1,567 Valuation Adjustments 505 823 1,306 1,553 Total $ 931 $ 2,276 $ 2,428 $ 3,675 As of June 30, 2015, the Company had $3.1 million of loans secured by residential real estate in the process of foreclosure .

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	6 Months Ended
	Jun. 30, 2015
Compensation and Retirement Disclosure [Abstract]
EMPLOYEE BENEFIT PLANS	NOTE 5 - EMPLOYEE BENEFIT PLANS The Company has a defined benefit pension plan covering substantially all full-time and eligible part-time associates and a Supplemental Executive Retirement Plan (“SERP”) covering its executive officers. The components of the net periodic benefit costs for the Company’s qualified benefit pension plan were as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2015 2014 2015 2014 Service Cost $ 1,675 $ 1,500 $ 3,350 $ 3,000 Interest Cost 1,425 1,400 2,850 2,800 Expected Return on Plan Assets (1,950 ) (1,875 ) (3,900 ) (3,750 ) Prior Service Cost Amortization 75 75 150 150 Net Loss Amortization 800 325 1,600 650 Net Periodic Cost $ 2,025 $ 1,425 $ 4,050 $ 2,850 Discount Rate 4.15 % 5.00 % 4.15 % 5.00 % Long-Term Rate of Return on Assets 7.50 % 7.50 % 7.50 % 7.50 % The components of the net periodic benefit costs for the Company’s SERP were as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2015 2014 2015 2014 Interest Cost $ 28 $ 28 $ 55 $ 55 Prior Service Cost Amortization 2 40 5 80 Net Gain Amortization (90 ) (183 ) (180 ) (365 ) Net Periodic Income $ (60 ) $ (115 ) $ (120 ) $ (230 ) Discount Rate 4.15 % 5.00 % 4.15 % 5.00 %

COMMITMENTS AND CONTINGENCIES

COMMITMENTS AND CONTINGENCIES	6 Months Ended
	Jun. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 6 - COMMITMENTS AND CONTINGENCIES Lending Commitments The Company’s maximum exposure to credit loss under standby letters of credit and commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in establishing commitments and issuing letters of credit as it does for on-balance sheet instruments. The amounts associated with the Company’s off-balance sheet obligations were as follows: June 30, 2015 December 31, 2014 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit (1) $ 53,821 $ 286,645 $ 340,466 $ 33,633 $ 278,438 $ 312,071 Standby Letters of Credit 6,989 — 6,989 8,307 — 8,307 Total $ 60,810 $ 286,645 $ 347,455 $ 41,940 $ 278,438 $ 320,378 (1) Commitments include unfunded loans, revolving lines of credit, and other unused commitments. Commitments to extend credit are agreements to lend to a client so long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a client to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities. In general, management does not anticipate any material losses as a result of participating in these types of transactions. However, any potential losses arising from such transactions are reserved for in the same manner as management reserves for its other credit facilities. For both on- and off-balance sheet financial instruments, the Company requires collateral to support such instruments when it is deemed necessary. The Company evaluates each client’s creditworthiness on a case-by-case basis. The amount of collateral obtained upon extension of credit is based on management’s credit evaluation of the counterparty. Collateral held varies, but may include deposits held in financial institutions; U.S. Treasury securities; other marketable securities; real estate; accounts receivable; property, plant and equipment; and inventory. Contingencies Indemnification Obligation In December 2013, a settlement agreement was approved by the court in resolution of the aforementioned Covered Litigation matter. Visa’s share of the settlement is to be paid from the litigation reserve account, which was further funded during the third quarter of 2014 resulting in a payment of $161,000 to the counterparty. Fixed charges included in the liability are payable quarterly until the litigation reserve is fully liquidated and at which time the aforementioned swap contract will be terminated. Quarterly fixed payments approximate $62,000. Conversion ratio payments and ongoing fixed quarterly charges are reflected in earnings in the period incurred.

FAIR VALUE MEASUREMENTS

FAIR VALUE MEASUREMENTS	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	NOTE 7 – FAIR VALUE MEASUREMENTS The fair value of an asset or liability is the price that would be received to sell that asset or paid to transfer that liability in an orderly transaction occurring in the principal market (or most advantageous market in the absence of a principal market) for such asset or liability. In estimating fair value, the Company utilizes valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. Such valuation techniques are consistently applied. Inputs to valuation techniques include the assumptions that market participants would use in pricing an asset or liability. ASC Topic 820 establishes a fair value hierarchy for valuation inputs that gives the highest priority to quoted prices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. The fair value hierarchy is as follows: § Level 1 Inputs - . § Level 2 Inputs - . § Level 3 Inputs - Assets and Liabilities Measured at Fair Value on a Recurring Basis Securities Available for Sale. In general, the Company does not purchase securities that have a complicated structure. The Company’s entire portfolio consists of traditional investments, nearly all of which are U.S. Treasury obligations, federal agency bullet or mortgage pass-through securities, or general obligation or revenue based municipal bonds. Pricing for such instruments is easily obtained. From time to time, the Company will validate, on a sample basis, prices supplied by the independent pricing service by comparison to prices obtained from third-party sources or derived using internal models. A summary of fair values for assets and liabilities consisted of the following: (Dollars in Thousands) Level 1 Inputs Level 2 Inputs Level 3 Inputs Total Fair Value June 30, 2015 Securities Available for Sale: U.S. Treasury $ 243,990 $ — $ — $ 243,990 U.S. Government Agency — 102,998 — 102,998 States and Political Subdivisions — 75,874 — 75,874 Mortgage-Backed Securities — 2,131 — 2,131 Equity Securities — 8,695 — 8,695 December 31, 2014 Securities Available for Sale: U.S. Treasury $ 186,031 $ — $ — $ 186,031 U.S. Government Agency — 96,097 — 96,097 State and Political Subdivisions — 48,388 — 48,388 Mortgage-Backed Securities — 2,287 — 2,287 Equity Securities — 8,745 — 8,745 Assets Measured at Fair Value on a Non-Recurring Basis Certain assets are measured at fair value on a non-recurring basis (i.e., the assets are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances). An example would be assets exhibiting evidence of impairment. The following is a description of valuation methodologies used for assets measured on a non-recurring basis. Impaired Loans Loans Held for Sale Other Real Estate Owned Assets and Liabilities Disclosed at Fair Value The Company is required to disclose the estimated fair value of financial instruments, both assets and liabilities, for which it is practical to estimate fair value and the following is a description of valuation methodologies used for those assets and liabilities. Cash and Short-Term Investments. Securities Held to Maturity Loans. Deposits. Subordinated Notes Payable. Short-Term and Long-Term Borrowings. A summary of estimated fair values of significant financial instruments consisted of the following: June 30, 2015 (Dollars in Thousands) Carrying Value Level 1 Inputs Level 2 Inputs Level 3 Inputs ASSETS: Cash $ 61,484 $ 61,484 $ — $ — Short-Term Investments 185,572 185,572 — — Investment Securities, Available for Sale 433,688 243,990 189,698 — Investment Securities, Held to Maturity 201,805 135,358 66,571 — Loans Held for Sale 10,991 — 10,991 — Loans, Net of Allowance for Loan Losses 1,459,029 — 1,471,717 LIABILITIES: Deposits $ 2,164,644 $ — $ 2,094,514 $ — Short-Term Borrowings 53,698 — 53,700 — Subordinated Notes Payable 62,887 — 45,639 — Long-Term Borrowings 29,733 — 30,687 — December 31, 2014 (Dollars in Thousands) Carrying Value Level 1 Inputs Level 2 Inputs Level 3 Inputs ASSETS: Cash $ 55,467 $ 55,467 $ — $ — Short-Term Investments 329,589 329,589 — — Investment Securities, Available for Sale 341,548 186,031 155,517 — Investment Securities, Held to Maturity 163,581 76,317 87,095 — Loans Held for Sale 10,688 — 10,688 Loans, Net of Allowance for Loan Losses 1,413,835 — — 1,369,314 LIABILITIES: Deposits $ 2,146,794 $ — $ 2,146,510 $ — Short-Term Borrowings 49,425 — 48,760 — Subordinated Notes Payable 62,887 — 62,887 — Long-Term Borrowings 31,097 — 32,313 — All non-financial instruments are excluded from the above table. The disclosures also do not include goodwill. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.

OTHER COMPREHENSIVE INCOME

OTHER COMPREHENSIVE INCOME	6 Months Ended
	Jun. 30, 2015
Equity [Abstract]
OTHER COMPREHENSIVE INCOME	NOTE 8 – OTHER COMPREHENSIVE INCOME The amounts allocated to other comprehensive income are presented in the table below. Reclassification adjustments related to securities held for sale are included in net gain (loss) on securities transactions in the accompanying consolidated statements of comprehensive income. For the periods presented, reclassifications adjustments related to securities held for sale was not material. (Dollars in Thousands) Before Tax Amount Tax (Expense) Benefit Net of Tax Amount Three Months Ended June 30, 2015 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ (117 ) $ 44 $ (73 ) Amortization of losses on securities transferred from available for sale to held to maturity 19 (7 ) 12 Total Other Comprehensive Loss $ (98 ) $ 37 $ (61 ) Six Months Ended June 30, 2015 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 1,029 $ (397 ) $ 632 Amortization of losses on securities transferred from available for sale to held to maturity 36 (14 ) 22 Total Other Comprehensive Income $ 1,065 $ (411 ) $ 654 (Dollars in Thousands) Before Tax Amount Tax (Expense) Benefit Net of Tax Amount Three Months Ended June 30, 2014 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 257 $ (99 ) $ 158 Amortization of losses on securities transferred from available for sale to held to maturity 16 (6 ) 10 Total Other Comprehensive Income $ 273 $ (105 ) $ 168 Six Months Ended June 30, 2014 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 252 $ (98 ) $ 154 Amortization of losses on securities transferred from available for sale to held to maturity 36 (14 ) 22 Total Other Comprehensive Income $ 288 $ (112 ) $ 176 Accumulated other comprehensive loss was comprised of the following components: (Dollars in Thousands) Securities Available for Sale Retirement Plans Accumulated Other Comprehensive Loss Balance as of January 1, 2015 $ 59 $ (21,568 ) $ (21,509 ) Other comprehensive income during the period 654 — 654 Balance as of June 30, 2015 $ 713 $ (21,568 ) $ (20,855 ) Balance as of January 1, 2014 $ (132 ) $ (8,408 ) $ (8,540 ) Other comprehensive income during the period 176 — 176 Balance as of June 30, 2014 $ 44 $ (8,408 ) $ (8,364 )

ACCOUNTING STANDARDS UPDATES

ACCOUNTING STANDARDS UPDATES	6 Months Ended
	Jun. 30, 2015
Accounting Standards Updates
ACCOUNTING STANDARDS UPDATES	NOTE 9 – ACCOUNTING STANDARDS UPDATES ASU 2014-04 “Receivables – Troubled Debt Restructurings by Creditors (Topic 310-40) – Reclassification of Residential Real Estate Collateralized Consumer Loans Upon Foreclosure.” ASU 2015-03, “Interest – Imputation of Interest (Subtopic 835-30) – Simplifying the Presentation of Debt Issuance Costs” requires companies to present debt issuance costs the same way they currently present debt discounts, as a direct deduction from the carrying value of that debt liability. ASU 2015-05, “Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40) – Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement.”

Disclosure - SIGNIFICANT ACCOUN

Disclosure - SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2015
Disclosure - Significant Accounting Policies Policies
Nature of Operations	Nature of Operations
Basis of Presentation	Basis of Presentation The accompanying unaudited consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. The consolidated statement of financial condition at December 31, 2014 has been derived from the audited consolidated financial statements at that date but does not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s annual report on Form 10-K for the year ended December 31, 2014.

INVESTMENT SECURITIES (Tables)

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Jun. 30, 2015
Investment Securities Tables
Schedule of amortized cost and related market value of investment securities available-for-sale	Investment Portfolio Composition June 30, 2015 December 31, 2014 Amortized Unrealized Unrealized Market Amortized Unrealized Unrealized Market Available for Sale U.S. Government Treasury $ 242,833 $ 1,157 $ — $ 243,990 $ 185,830 $ 220 $ 19 $ 186,031 U.S. Government Agency 102,700 414 116 102,998 95,950 289 142 96,097 States and Political Subdivisions 75,961 78 165 75,874 48,405 65 82 48,388 Mortgage-Backed Securities 1,946 185 — 2,131 2,094 193 — 2,287 Equity Securities (1) 8,695 — — 8,695 8,745 — — 8,745 Total $ 432,135 $ 1,834 $ 281 $ 433,688 $ 341,024 $ 767 $ 243 $ 341,548 Held to Maturity U.S. Government Treasury $ 134,786 $ 580 $ 8 $ 135,358 $ 76,179 $ 144 $ 6 $ 76,317 U.S. Government Agency 10,077 40 — 10,117 19,807 29 19 19,817 States and Political Subdivisions 22,883 19 12 22,890 26,717 36 6 26,747 Mortgage-Backed Securities 34,059 26 521 33,564 40,878 33 380 40,531 Total $ 201,805 $ 665 $ 541 $ 201,929 $ 163,581 $ 242 $ 411 $ 163,412 Total Investment Securities $ 633,940 $ 2,499 $ 822 $ 635,617 $ 504,605 $ 1,009 $ 654 $ 504,960 (1) Includes Federal Home Loan Bank, Federal Reserve Bank, and FNBB, Inc stock recorded at cost of $3.7 million, $4.8 million, and $0.2 million, respectively, at June 30, 2015 and Federal Home Loan Bank, Federal Reserve Bank, and Bankers Bancorporation of Florida, Inc. stock recorded at cost of $3.9 million, $4.8 million, and $0.1 million, respectively, at December 31, 2014.
Schedule of investment securities with maturity distribution based on contractual maturities	Maturity Distribution Available for Sale Held to Maturity (Dollars in Thousands) Amortized Market Amortized Market Due in one year or less $ 56,181 $ 56,257 $ 16,625 $ 16,644 Due after one through five years 294,554 295,594 151,121 151,720 Mortgage-Backed Securities 1,946 2,131 34,059 33,565 U.S. Government Agency 70,759 71,011 — — Equity Securities 8,695 8,695 — — Total $ 432,135 $ 433,688 $ 201,805 $ 201,929
Schedule of investment securities with continuous unrealized loss position	Unrealized Losses on Investment Securities. Less Than Greater Than Total (Dollars in Thousands) Market Unrealized Market Unrealized Market Unrealized June 30, 2015 A vailable for Sale U.S. Government Agency $ 16,480 $ 50 $ 12,642 $ 66 $ 29,122 $ 116 States and Political Subdivisions 40,727 162 782 3 41,509 165 Total 57,207 212 13,424 69 70,631 281 Held to Maturity U.S. Government Treasury 5,053 8 — — 5,053 8 States and Political Subdivisions 4,986 12 154 — 5,140 12 Mortgage-Backed Securities 13,386 278 14,332 243 27,718 521 Total $ 23,425 $ 298 $ 14,486 $ 243 $ 37,911 $ 541 December 31, 2014 Available for Sale U.S. Government Treasury $ 35,838 $ 19 $ — $ — $ 35,838 $ 19 U.S. Government Agency 18,160 54 18,468 88 36,628 142 States and Political Subdivisions 16,497 77 505 5 17,002 82 Total 70,495 150 18,973 93 89,468 243 Held to Maturity U.S. Government Treasury 15,046 6 — — 15,046 6 U.S. Government Agency 10,002 19 — — 10,002 19 States and Political Subdivisions 3,788 6 — — 3,788 6 Mortgage-Backed Securities 15,066 149 18,155 231 33,221 380 Total $ 43,902 $ 180 $ 18,155 $ 231 $ 62,057 $ 411

LOANS, NET (Tables)

LOANS, NET (Tables)	6 Months Ended
	Jun. 30, 2015
Loans Net Tables
Schedule of composition of the loan portfolio	Loan Portfolio Composition (Dollars in Thousands) June 30, 2015 December 31, 2014 Commercial, Financial and Agricultural $ 151,116 $ 136,925 Real Estate – Construction 44,216 41,596 Real Estate – Commercial Mortgage 510,962 510,120 Real Estate – Residential (1) 296,381 295,969 Real Estate – Home Equity 230,388 229,572 Consumer 241,202 217,192 Loans, Net of Unearned Income $ 1,474,265 $ 1,431,374 (1) Includes loans in process with outstanding balances of $12.6 million and $7.4 million at June 30, 2015 and December 31, 2014, respectively.
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans	The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans. June 30, 2015 December 31, 2014 (Dollars in Thousands) Nonaccrual 90 + Days Nonaccrual 90 + Days Commercial, Financial and Agricultural $ 420 $ — $ 507 $ — Real Estate – Construction 333 — 424 — Real Estate – Commercial Mortgage 6,395 — 5,806 — Real Estate – Residential 5,978 — 6,737 — Real Estate – Home Equity 2,095 — 2,544 — Consumer 99 — 751 — Total Nonaccrual Loans $ 15,320 $ — $ 16,769 $ —
Schedule of aging of past due loans by class of loans	The following table presents the aging of the recorded investment in past due loans by class of loans. (Dollars in Thousands) 30-59 DPD 60-89 DPD 90 + DPD Total Past Due Total Current Total Loans June 30, 2015 Commercial, Financial and Agricultural $ 57 $ — $ — $ 57 $ 150,639 $ 151,116 Real Estate – Construction — — — — 43,883 44,216 Real Estate – Commercial Mortgage 2,640 68 — 2,708 501,859 510,962 Real Estate – Residential 1,020 811 — 1,831 288,572 296,381 Real Estate – Home Equity 451 — — 451 227,842 230,388 Consumer 626 185 — 811 240,292 241,202 Total Past Due Loans $ 4,794 $ 1,064 $ — $ 5,858 $ 1,453,087 $ 1,474,265 December 31, 2014 Commercial, Financial and Agricultural $ 352 $ 155 $ — $ 507 $ 135,911 $ 136,925 Real Estate – Construction 690 — — 690 40,482 41,596 Real Estate – Commercial Mortgage 1,701 569 — 2,270 502,044 510,120 Real Estate – Residential 682 1,147 — 1,829 287,403 295,969 Real Estate – Home Equity 689 85 — 774 226,254 229,572 Consumer 625 97 — 722 215,719 217,192 Total Past Due Loans $ 4,739 $ 2,053 $ — $ 6,792 $ 1,407,813 $ 1,431,374
Schedule of activity in the allowance for loan losses by portfolio class	The following table details the activity in the allowance for loan losses by portfolio class. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. (Dollars in Thousands) Commercial, Financial, Agricultural Real Estate Construction Real Estate Commercial Mortgage Real Estate Residential Real Estate Home Equity Consumer Total Three Months Ended June 30, 2015 Beginning Balance $ 903 $ 574 $ 4,501 $ 6,195 $ 2,547 $ 1,370 $ 16,090 Provision for Loan Losses 171 (214 ) 5 (257 ) 410 260 375 Charge-Offs (239 ) — (285 ) (484 ) (454 ) (351 ) (1,813 ) Recoveries 82 — 54 200 33 215 584 Net Charge-Offs (157 ) — (231 ) (284 ) (421 ) (136 ) (1,229 ) Ending Balance $ 917 $ 360 $ 4,275 $ 5,654 $ 2,536 $ 1,494 $ 15,236 Six Months Ended June 30, 2015 Beginning Balance $ 784 $ 843 $ 5,287 $ 6,520 $ 2,882 $ 1,223 $ 17,539 Provision for Loan Losses 525 (483 ) 93 (325 ) 233 625 668 Charge-Offs (529 ) — (1,189 ) (789 ) (636 ) (927 ) (4,070 ) Recoveries 137 — 84 248 57 573 1,099 Net Charge-Offs (392 ) — (1,105 ) (541 ) (579 ) (354 ) (2,971 ) Ending Balance $ 917 $ 360 $ 4,275 $ 5,654 $ 2,536 $ 1,494 $ 15,236 Three Months Ended June 30, 2014 Beginning Balance $ 633 $ 1,842 $ 7,080 $ 8,842 $ 2,853 $ 860 $ 22,110 Provision for Loan Losses 114 (576 ) (56 ) 15 523 479 499 Charge-Offs (86 ) — (1,029 ) (695 ) (375 ) (421 ) (2,606 ) Recoveries 45 1 152 52 65 225 540 Net Charge-Offs (41 ) 1 (877 ) (643 ) (310 ) (196 ) (2,066 ) Ending Balance $ 706 $ 1,267 $ 6,147 $ 8,214 $ 3,066 $ 1,143 $ 20,543 Six Months Ended June 30, 2014 Beginning Balance $ 699 $ 1,580 $ 7,710 $ 9,073 $ 3,051 $ 982 $ 23,095 Provision for Loan Losses (16 ) (318 ) (119 ) 120 717 474 858 Charge-Offs (97 ) — (1,623 ) (1,426 ) (778 ) (826 ) (4,750 ) Recoveries 120 5 179 447 76 513 1,340 Net Charge-Offs 23 5 (1,444 ) (979 ) (702 ) (313 ) (3,410 ) Ending Balance $ 706 $ 1,267 $ 6,147 $ 8,214 $ 3,066 $ 1,143 $ 20,543
Schedule of allowance for loan losses by portfolio class and disaggregated on the basis of the impairment methodology	The following table details the amount of the allowance for loan losses by portfolio class disaggregated on the basis of the Company’s impairment methodology. (Dollars in Thousands) Commercial, Financial, Agricultural Real Estate Construction Real Estate Commercial Mortgage Real Estate Residential Real Estate Home Equity Consumer Total June 30, 2015 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 288 $ — $ 2,070 $ 1,980 $ 453 $ 12 $ 4,803 Loans Collectively Evaluated for Impairment 629 360 2,205 3,674 2,083 1,482 10,433 Ending Balance $ 917 $ 360 $ 4,275 $ 5,654 $ 2,536 $ 1,494 $ 15,236 December 31, 2014 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 293 $ — $ 2,733 $ 2,113 $ 638 $ 5 $ 5,782 Loans Collectively Evaluated for Impairment 491 843 2,554 4,407 2,244 1,218 11,757 Ending Balance $ 784 $ 843 $ 5,287 $ 6,520 $ 2,882 $ 1,223 $ 17,539 June 30, 2014 Period-end amount Allocated to: Loans Individually Evaluated for Impairment $ 185 $ 63 $ 3,565 $ 2,563 $ 305 $ 20 $ 6,701 Loans Collectively Evaluated for Impairment 521 1,204 2,582 5,651 2,761 1,123 13,842 Ending Balance $ 706 $ 1,267 $ 6,147 $ 8,214 $ 3,066 $ 1,143 $ 20,543
Schedule of allowance for loan losses by portfolio class	The Company’s recorded investment in loans related to each balance in the allowance for loan losses by portfolio class and disaggregated on the basis of the Company’s impairment methodology was as follows: (Dollars in Thousands) Commercial, Financial, Agricultural Real Estate Construction Real Estate Commercial Mortgage Real Estate Residential Real Estate Home Equity Consumer Total June 30, 2015 Individually Evaluated for Impairment $ 1,072 $ 311 $ 29,746 $ 18,918 $ 2,960 $ 171 $ 53,178 Collectively Evaluated for Impairment 150,044 43,905 481,216 277,463 227,428 241,031 1,421,087 Total $ 151,116 $ 44,216 $ 510,962 $ 296,381 $ 230,388 $ 241,202 $ 1,474,265 December 31, 2014 Individually Evaluated for Impairment $ 1,040 $ 401 $ 32,242 $ 20,120 $ 3,074 $ 216 $ 57,093 Collectively Evaluated for Impairment 135,885 41,195 477,878 275,849 226,498 216,976 1,374,281 Total $ 136,925 $ 41,596 $ 510,120 $ 295,969 $ 229,572 $ 217,192 $ 1,431,374 June 30, 2014 Individually Evaluated for Impairment $ 1,378 $ 821 $ 40,516 $ 22,273 $ 2,563 $ 315 $ 67,866 Collectively Evaluated for Impairment 133,455 33,423 478,064 283,556 225,669 183,558 1,337,725 Total $ 134,833 $ 34,244 $ 518,580 $ 305,829 $ 228,232 $ 183,873 $ 1,405,591
Schedule of loans individually evaluated for impairment by class of loans	The following table presents loans individually evaluated for impairment by class of loans. (Dollars in Thousands) Unpaid Principal Balance Recorded Investment With No Allowance Recorded Investment With Allowance Related Allowance June 30, 2015 Commercial, Financial and Agricultural $ 1,072 $ 176 $ 896 $ 288 Real Estate – Construction 311 311 — — Real Estate – Commercial Mortgage 29,746 11,626 18,120 2,070 Real Estate – Residential 18,918 4,578 14,340 1,980 Real Estate – Home Equity 2,960 1,046 1,914 453 Consumer 171 25 146 12 Total $ 53,178 $ 17,762 $ 35,416 $ 4,803 December 31, 2014 Commercial, Financial and Agricultural $ 1,040 $ 189 $ 851 $ 293 Real Estate – Construction 401 401 — — Real Estate – Commercial Mortgage 32,242 11,984 20,258 2,733 Real Estate – Residential 20,120 5,492 14,628 2,113 Real Estate – Home Equity 3,074 758 2,316 638 Consumer 216 3 213 5 Total $ 57,093 $ 18,827 $ 38,266 $ 5,782
Schedule of Average recorded investment and interest income recognized by class of impaired loans	The following table summarizes the average recorded investment and interest income recognized by class of impaired loans. Three Months Ended June 30, Six Months Ended June 30, 2015 2014 2015 2014 (Dollars in Thousands) Average Recorded Investment Total Interest Income Average Recorded Investment Total Interest Income Average Recorded Investment Total Interest Income Average Recorded Investment Total Interest Income Commercial, Financial and Agricultural $ 1,162 $ 11 $ 1,482 $ 17 $ 1,121 $ 22 $ 1,514 $ 35 Real Estate – Construction 356 — 689 1 371 — 645 2 Real Estate – Commercial Mortgage 30,480 310 45,215 389 31,067 571 46,801 917 Real Estate – Residential 19,379 214 21,558 307 19,626 411 21,195 517 Real Estate – Home Equity 3,042 23 2,768 17 3,053 43 2,965 34 Consumer 183 2 338 2 194 4 344 5 Total $ 54,602 $ 560 $ 72,050 $ 733 $ 55,432 $ 1,051 $ 73,464 $ 1,510
Schedule of risk category of loans by segment	The following table presents the risk category of loans by segment. (Dollars in Thousands) Commercial, Financial, Agriculture Real Estate Consumer Total Criticized Loans June 30, 2015 Special Mention $ 8,686 $ 37,412 $ 130 $ 46,228 Substandard 1,595 66,980 577 69,152 Doubtful — — — — Total Criticized Loans $ 10,281 $ 104,392 $ 707 $ 115,380 December 31, 2014 Special Mention $ 8,059 $ 51,060 $ 114 $ 59,233 Substandard 2,817 79,167 1,153 83,137 Doubtful — — — — Total Criticized Loans $ 10,876 $ 130,227 $ 1,267 $ 142,370
Schedule of troubled debt restructurings loans	The following table presents loans classified as TDRs. June 30, 2015 December 31, 2014 (Dollars in Thousands) Accruing Nonaccruing Accruing Nonaccruing Commercial, Financial and Agricultural $ 778 $ 253 $ 838 $ 266 Real Estate – Construction — — — — Real Estate – Commercial Mortgage 23,646 952 26,565 1,591 Real Estate – Residential 15,071 1,995 14,940 2,532 Real Estate – Home Equity 1,969 157 1,856 356 Consumer 168 — 211 — Total TDRs $ 41,632 $ 3,357 $ 44,410 $ 4,745
Schedule of loans classified as TDRs	Loans classified as TDRs during the periods indicated are presented in the table below. The modifications made during the reporting period involved either an extension of the loan term, an interest rate adjustment, or a principal moratorium, and the financial impact of these modifications was not material. Three Months Ended June 30, Six Months Ended June 30, 2015 2015 (Dollars in Thousands) Number of Contracts Pre-Modified Post-Modified Number of Contracts Pre-Modified Post-Modified Commercial, Financial and Agricultural — $ — $ — — $ — $ — Real Estate – Construction — — — — — — Real Estate – Commercial Mortgage 1 58 58 2 515 515 Real Estate – Residential 1 204 204 5 668 641 Real Estate – Home Equity — — — — — — Consumer — — — — — — Total TDRs 2 $ 262 $ 262 7 $ 1,183 $ 1,156 Three Months Ended June 30, Six Months Ended June 30, 2014 2014 (Dollars in Thousands) Number of Contracts Pre-Modified Post-Modified Number of Contracts Pre-Modified Post-Modified Commercial, Financial and Agricultural — $ — $ — 1 $ 51 $ 54 Real Estate – Construction — — — — — — Real Estate – Commercial Mortgage 1 60 60 2 644 644 Real Estate – Residential 3 271 317 6 1,107 1,207 Real Estate – Home Equity — — — 3 248 248 Consumer — — — 1 34 34 Total TDRs 4 $ 331 $ 377 13 $ 2,084 $ 2,187
Schedule of loans modified as TDRs within the previous 12 months and subsequently defaulted	For the three and six months ended June 30, 2015, there were no defaults for TDR loans that had been modified within the previous 12 months. For the three and six months ended June 30, 2014, loans modified as TDRs within the previous 12 months that have subsequently defaulted during the periods indicated are presented in the table below. Three Months Ended June 30, Six Months Ended June 30, 2014 2014 (Dollars in Thousands) Number of Post-Modified Number of Post-Modified Commercial, Financial and Agricultural — $ — — $ — Real Estate – Construction — — — — Real Estate – Commercial Mortgage — — — — Real Estate – Residential 1 118 1 118 Real Estate – Home Equity 1 153 1 153 Consumer — — — — Total TDRs 2 $ 271 2 $ 271 (1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.
Schedule of loans modified as TDRs information	The following table provides information on how TDRs were modified during the periods indicated. Three Months Ended June 30, Six Months Ended June 30, 2015 2015 (Dollars in Thousands) Number of Contracts Recorded Investment (1) Number of Contracts Recorded Investment (1) Extended amortization — $ — 1 $ 118 Interest rate adjustment — — 1 156 Extended amortization and interest rate adjustment 2 262 5 882 Other — — — — Total TDRs 2 $ 262 7 $ 1,156 Three Months Ended June 30, Six Months Ended June 30, 2014 2014 (Dollars in Thousands) Number of Contracts Recorded Investment (1) Number of Contracts Recorded Investment (1) Extended amortization 3 $ 317 6 $ 1,579 Interest rate adjustment — — 1 156 Extended amortization and interest rate adjustment 1 60 3 257 Other — — 3 195 Total TDRs 4 $ 377 13 $ 2,187 (1) Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

OTHER REAL ESTATE OWNED (Tables

OTHER REAL ESTATE OWNED (Tables)	6 Months Ended
	Jun. 30, 2015
Other Real Estate Owned Tables
Schedule of other real estate owned activity	The following table presents other real estate owned activity for the periods indicated. Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2015 2014 2015 2014 Beginning Balance $ 33,835 $ 44,036 $ 35,680 $ 48,071 Additions 1,088 7,977 2,830 9,267 Valuation Write-downs (505 ) (822 ) (1,306 ) (1,552 ) Sales (4,026 ) (8,612 ) (6,763 ) (13,207 ) Other (225 ) — (274 ) — Ending Balance $ 30,167 $ 42,579 $ 30,167 $ 42,579
Schedule of net expenses	Net expenses applicable to other real estate owned include the following: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2015 2014 2015 2014 Gains from the Sale of Properties $ (534 ) $ (88 ) $ (655 ) $ (334 ) Losses from the Sale of Properties 348 808 658 1,164 Rental Income from Properties (43 ) (62 ) (231 ) (275 ) Property Carrying Costs 655 795 1,350 1,567 Valuation Adjustments 505 823 1,306 1,553 Total $ 931 $ 2,276 $ 2,428 $ 3,675

EMPLOYEE BENEFIT PLANS (Tables)

EMPLOYEE BENEFIT PLANS (Tables)	6 Months Ended
	Jun. 30, 2015
Employee Benefit Plans Tables
Schedule of expected benefit payments related to the defined benefit pension plan	The components of the net periodic benefit costs for the Company’s qualified benefit pension plan were as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2015 2014 2015 2014 Service Cost $ 1,675 $ 1,500 $ 3,350 $ 3,000 Interest Cost 1,425 1,400 2,850 2,800 Expected Return on Plan Assets (1,950 ) (1,875 ) (3,900 ) (3,750 ) Prior Service Cost Amortization 75 75 150 150 Net Loss Amortization 800 325 1,600 650 Net Periodic Cost $ 2,025 $ 1,425 $ 4,050 $ 2,850 Discount Rate 4.15 % 5.00 % 4.15 % 5.00 % Long-Term Rate of Return on Assets 7.50 % 7.50 % 7.50 % 7.50 %
Schedule of expected benefit payments related to the SERP	The components of the net periodic benefit costs for the Company’s SERP were as follows: Three Months Ended June 30, Six Months Ended June 30, (Dollars in Thousands) 2015 2014 2015 2014 Interest Cost $ 28 $ 28 $ 55 $ 55 Prior Service Cost Amortization 2 40 5 80 Net Gain Amortization (90 ) (183 ) (180 ) (365 ) Net Periodic Income $ (60 ) $ (115 ) $ (120 ) $ (230 ) Discount Rate 4.15 % 5.00 % 4.15 % 5.00 %

COMMITMENTS AND CONTINGENCIES (

COMMITMENTS AND CONTINGENCIES (Tables)	6 Months Ended
	Jun. 30, 2015
Commitments And Contingencies Tables
Schedule of amounts associated with the entities off-balance sheet obligations	The Company uses the same credit policies in establishing commitments and issuing letters of credit as it does for on-balance sheet instruments. The amounts associated with the Company’s off-balance sheet obligations were as follows: June 30, 2015 December 31, 2014 (Dollars in Thousands) Fixed Variable Total Fixed Variable Total Commitments to Extend Credit (1) $ 53,821 $ 286,645 $ 340,466 $ 33,633 $ 278,438 $ 312,071 Standby Letters of Credit 6,989 — 6,989 8,307 — 8,307 Total $ 60,810 $ 286,645 $ 347,455 $ 41,940 $ 278,438 $ 320,378 (1) Commitments include unfunded loans, revolving lines of credit, and other unused commitments.

FAIR VALUE MEASUREMENTS (Tables

FAIR VALUE MEASUREMENTS (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Measurements Tables
Schedule of financial assets and financial liabilities measured at fair value on a recurring basis	A summary of fair values for assets and liabilities consisted of the following: (Dollars in Thousands) Level 1 Inputs Level 2 Inputs Level 3 Inputs Total Fair Value June 30, 2015 Securities Available for Sale: U.S. Treasury $ 243,990 $ — $ — $ 243,990 U.S. Government Agency — 102,998 — 102,998 States and Political Subdivisions — 75,874 — 75,874 Mortgage-Backed Securities — 2,131 — 2,131 Equity Securities — 8,695 — 8,695 December 31, 2014 Securities Available for Sale: U.S. Treasury $ 186,031 $ — $ — $ 186,031 U.S. Government Agency — 96,097 — 96,097 State and Political Subdivisions — 48,388 — 48,388 Mortgage-Backed Securities — 2,287 — 2,287 Equity Securities — 8,745 — 8,745
Schedule of financial instruments with estimated fair values	A summary of estimated fair values of significant financial instruments consisted of the following: June 30, 2015 (Dollars in Thousands) Carrying Value Level 1 Inputs Level 2 Inputs Level 3 Inputs ASSETS: Cash $ 61,484 $ 61,484 $ — $ — Short-Term Investments 185,572 185,572 — — Investment Securities, Available for Sale 433,688 243,990 189,698 — Investment Securities, Held to Maturity 201,805 135,358 66,571 — Loans Held for Sale 10,991 — 10,991 — Loans, Net of Allowance for Loan Losses 1,459,029 — 1,471,717 LIABILITIES: Deposits $ 2,164,644 $ — $ 2,094,514 $ — Short-Term Borrowings 53,698 — 53,700 — Subordinated Notes Payable 62,887 — 45,639 — Long-Term Borrowings 29,733 — 30,687 — December 31, 2014 (Dollars in Thousands) Carrying Value Level 1 Inputs Level 2 Inputs Level 3 Inputs ASSETS: Cash $ 55,467 $ 55,467 $ — $ — Short-Term Investments 329,589 329,589 — — Investment Securities, Available for Sale 341,548 186,031 155,517 — Investment Securities, Held to Maturity 163,581 76,317 87,095 — Loans Held for Sale 10,688 — 10,688 Loans, Net of Allowance for Loan Losses 1,413,835 — — 1,369,314 LIABILITIES: Deposits $ 2,146,794 $ — $ 2,146,510 $ — Short-Term Borrowings 49,425 — 48,760 — Subordinated Notes Payable 62,887 — 62,887 — Long-Term Borrowings 31,097 — 32,313 —

OTHER COMPREHENSIVE INCOME (LOS

OTHER COMPREHENSIVE INCOME (LOSS) (Tables)	6 Months Ended
	Jun. 30, 2015
Other Comprehensive Income Loss Tables
Schedule of other comprehensive income loss	The amounts allocated to other comprehensive income are presented in the table below. Reclassification adjustments related to securities held for sale are included in net gain (loss) on securities transactions in the accompanying consolidated statements of comprehensive income. For the periods presented, reclassifications adjustments related to securities held for sale was not material. (Dollars in Thousands) Before Tax Amount Tax (Expense) Benefit Net of Tax Amount Three Months Ended June 30, 2015 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ (117 ) $ 44 $ (73 ) Amortization of losses on securities transferred from available for sale to held to maturity 19 (7 ) 12 Total Other Comprehensive Loss $ (98 ) $ 37 $ (61 ) Six Months Ended June 30, 2015 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 1,029 $ (397 ) $ 632 Amortization of losses on securities transferred from available for sale to held to maturity 36 (14 ) 22 Total Other Comprehensive Income $ 1,065 $ (411 ) $ 654 (Dollars in Thousands) Before Tax Amount Tax (Expense) Benefit Net of Tax Amount Three Months Ended June 30, 2014 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 257 $ (99 ) $ 158 Amortization of losses on securities transferred from available for sale to held to maturity 16 (6 ) 10 Total Other Comprehensive Income $ 273 $ (105 ) $ 168 Six Months Ended June 30, 2014 Investment Securities: Change in net unrealized gain/loss on securities available for sale $ 252 $ (98 ) $ 154 Amortization of losses on securities transferred from available for sale to held to maturity 36 (14 ) 22 Total Other Comprehensive Income $ 288 $ (112 ) $ 176
Schedule of activity in accumulated other comprehensive loss, net of tax	Accumulated other comprehensive loss was comprised of the following components: (Dollars in Thousands) Securities Available for Sale Retirement Plans Accumulated Other Comprehensive Loss Balance as of January 1, 2015 $ 59 $ (21,568 ) $ (21,509 ) Other comprehensive income during the period 654 — 654 Balance as of June 30, 2015 $ 713 $ (21,568 ) $ (20,855 ) Balance as of January 1, 2014 $ (132 ) $ (8,408 ) $ (8,540 ) Other comprehensive income during the period 176 — 176 Balance as of June 30, 2014 $ 44 $ (8,408 ) $ (8,364 )

INVESTMENT SECURITIES (Details)

INVESTMENT SECURITIES (Details) - USD ($) $ in Thousands		6 Months Ended	12 Months Ended
		Jun. 30, 2015	Dec. 31, 2014
Available-for-sale
Amortized Cost		$ 432,135	$ 341,024
Unrealized Gains		1,834	767
Unrealized Losses		281	243
Market Value		433,688	341,548
Held to Maturity
Amortized Cost		201,805	163,581
Unrealized Gains		665	242
Unrealized Losses		541	411
Market Value		201,929	163,412
Total
Amortized Cost		633,940	504,605
Unrealized Gain		2,499	1,009
Unrealized Loss		822	654
Fair Value		635,617	504,960
U.S. Government Treasury [Member]
Available-for-sale
Amortized Cost		242,833	185,830
Unrealized Gains		$ 1,157	220
Unrealized Losses			19
Market Value		$ 243,990	186,031
Held to Maturity
Amortized Cost		134,786	76,179
Unrealized Gains		580	144
Unrealized Losses		8	6
Market Value		135,358	76,317
U.S. Government Agency [Member]
Available-for-sale
Amortized Cost		102,700	95,950
Unrealized Gains		414	289
Unrealized Losses		116	142
Market Value		102,998	96,097
Held to Maturity
Amortized Cost		10,077	19,807
Unrealized Gains		$ 40	29
Unrealized Losses			19
Market Value		$ 10,117	19,817
States and Political Subdivisions [Member]
Available-for-sale
Amortized Cost		75,961	48,405
Unrealized Gains		78	65
Unrealized Losses		165	82
Market Value		75,874	48,388
Held to Maturity
Amortized Cost		22,883	26,717
Unrealized Gains		19	36
Unrealized Losses		12	6
Market Value		22,890	26,747
Mortgage-Backed Securities [Member]
Available-for-sale
Amortized Cost		1,946	2,094
Unrealized Gains		$ 185	$ 193
Unrealized Losses
Market Value		$ 2,131	$ 2,287
Held to Maturity
Amortized Cost		34,059	40,878
Unrealized Gains		26	33
Unrealized Losses		521	380
Market Value		33,564	40,531
Equity Securities [Member]
Available-for-sale
Amortized Cost	[1]	$ 8,695	$ 8,745
Unrealized Gains	[1]
Unrealized Losses	[1]
Market Value	[1]	$ 8,695	$ 8,745
[1]	Includes Federal Home Loan Bank, Federal Reserve Bank, and FNBB, Inc stock recorded at cost of $3.7 million, $4.8 million, and $0.2 million, respectively, at June 30, 2015 and Federal Home Loan Bank, Federal Reserve Bank, and Bankers Bancorporation of Florida, Inc. stock recorded at cost of $3.9 million, $4.8 million, and $0.1 million, respectively, at December 31, 2014.

INVESTMENT SECURITIES (Details

INVESTMENT SECURITIES (Details 2) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Amortized Cost
Due in one year or less	$ 56,181
Due after one through five years	294,554
Total Investment Securities	432,135
Market Value
Due in one year or less	56,257
Due after one through five years	295,594
Total Investment Securities	433,688
Amortized Cost
Due in one year or less	16,625
Due after one through five years	151,121
Total Investment Securities	201,805	$ 163,581
Market Value
Due in one year or less	16,644
Due after one through five years	151,720
Total Investment Securities	201,929	163,412
Mortgage-Backed Securities [Member]
Amortized Cost
Due without single maturity date	1,946
Market Value
Due without single maturity date	2,131
Amortized Cost
Due without single maturity date	34,059
Total Investment Securities	34,059	40,878
Market Value
Due without single maturity date	33,565
U.S. Government Agency [Member]
Amortized Cost
Due without single maturity date	70,759
Market Value
Due without single maturity date	$ 71,011
Amortized Cost
Due without single maturity date
Total Investment Securities	$ 10,077	$ 19,807
Market Value
Due without single maturity date
Equity Securities [Member]
Amortized Cost
Due without single maturity date	$ 8,695
Market Value
Due without single maturity date	$ 8,695
Amortized Cost
Due without single maturity date
Market Value
Due without single maturity date

INVESTMENT SECURITIES (Detail28

INVESTMENT SECURITIES (Details 3) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Available-for-sale securities
Less Than 12 Months, Fair Value	$ 57,207	$ 70,495
Less Than 12 Months, Unrealized Losses	212	150
12 Months Or Longer, Fair Value	13,424	18,973
12 Months Or Longer, Unrealized Losses	69	93
Total Fair Value	70,631	89,468
Total Unrealized Losses	281	243
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	23,425	43,902
Less Than 12 Months, Unrealized Losses	298	180
12 Months Or Longer, Fair Value	14,486	18,155
12 Months Or Longer, Unrealized Losses	243	231
Total Fair Value	37,911	62,057
Total Unrealized Losses	541	411
U.S. Government Treasury [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value		35,838
Less Than 12 Months, Unrealized Losses		$ 19
12 Months Or Longer, Fair Value
12 Months Or Longer, Unrealized Losses
Total Fair Value		$ 35,838
Total Unrealized Losses		19
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	5,053	15,046
Less Than 12 Months, Unrealized Losses	$ 8	$ 6
12 Months Or Longer, Fair Value
12 Months Or Longer, Unrealized Losses
Total Fair Value	$ 5,053	$ 15,046
Total Unrealized Losses	8	6
U.S. Government Agency [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	16,480	18,160
Less Than 12 Months, Unrealized Losses	50	54
12 Months Or Longer, Fair Value	12,642	18,468
12 Months Or Longer, Unrealized Losses	66	88
Total Fair Value	29,122	36,628
Total Unrealized Losses	116	142
Held-to-maturity debt securities
Less Than 12 Months, Fair Value		10,002
Less Than 12 Months, Unrealized Losses		$ 19
12 Months Or Longer, Fair Value
12 Months Or Longer, Unrealized Losses
Total Fair Value		$ 10,002
Total Unrealized Losses		19
States and Political Subdivisions [Member]
Available-for-sale securities
Less Than 12 Months, Fair Value	40,727	16,497
Less Than 12 Months, Unrealized Losses	162	77
12 Months Or Longer, Fair Value	782	505
12 Months Or Longer, Unrealized Losses	3	5
Total Fair Value	41,509	17,002
Total Unrealized Losses	165	82
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	4,986	3,788
Less Than 12 Months, Unrealized Losses	12	$ 6
12 Months Or Longer, Fair Value	$ 154
12 Months Or Longer, Unrealized Losses
Total Fair Value	$ 5,140	$ 3,788
Total Unrealized Losses	12	6
Mortgage-Backed Securities [Member]
Held-to-maturity debt securities
Less Than 12 Months, Fair Value	13,386	15,066
Less Than 12 Months, Unrealized Losses	278	149
12 Months Or Longer, Fair Value	14,332	18,155
12 Months Or Longer, Unrealized Losses	243	231
Total Fair Value	27,718	33,221
Total Unrealized Losses	$ 521	$ 380

INVESTMENT SECURITIES (Detail29

INVESTMENT SECURITIES (Details Textuals) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Securities pledged to secure public deposits	$ 286,600	$ 337,900

LOANS, NET (Details)

LOANS, NET (Details) - USD ($) $ in Thousands		Jun. 30, 2015	Dec. 31, 2014
Loan Portfolio Composition
Loans, Net of Unearned Income		$ 1,474,265	$ 1,431,374
Commercial, Financial and Agricultural [Member]
Loan Portfolio Composition
Loans, Net of Unearned Income		151,116	136,925
Real Estate - Construction [Member]
Loan Portfolio Composition
Loans, Net of Unearned Income		44,216	41,596
Real Estate - Commercial Mortgage [Member]
Loan Portfolio Composition
Loans, Net of Unearned Income		510,962	510,120
Real Estate - Residential [Member]
Loan Portfolio Composition
Loans, Net of Unearned Income	[1]	296,381	295,969
Real Estate - Home Equity [Member]
Loan Portfolio Composition
Loans, Net of Unearned Income		230,388	229,572
Consumer [Member]
Loan Portfolio Composition
Loans, Net of Unearned Income		$ 241,202	$ 217,192
[1]	Includes loans in process with outstanding balances of $12.6 million and $7.4 million at June 30, 2015 and December 31, 2014, respectively.

LOANS, NET (Details 2)

LOANS, NET (Details 2) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	$ 15,320	$ 16,769
Total Past Due	$ 5,858	$ 6,792
90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due
Commercial, Financial and Agricultural [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	$ 420	$ 507
Total Past Due	$ 57	$ 507
Commercial, Financial and Agricultural [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due
Real Estate - Construction [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	$ 333	$ 424
Total Past Due		$ 690
Real Estate - Construction [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due
Real Estate - Commercial Mortgage [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	$ 6,395	$ 5,806
Total Past Due	$ 2,708	$ 2,270
Real Estate - Commercial Mortgage [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due
Real Estate - Residential [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	$ 5,978	$ 6,737
Total Past Due	$ 1,831	$ 1,829
Real Estate - Residential [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due
Real Estate - Home Equity [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	$ 2,095	$ 2,544
Total Past Due	$ 451	$ 774
Real Estate - Home Equity [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due
Consumer [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Nonaccrual	$ 99	$ 751
Total Past Due	$ 811	$ 722
Consumer [Member] | 90 +DPD [Member]
Recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans
Total Past Due

LOANS, NET (Details 3)

LOANS, NET (Details 3) - USD ($) $ in Thousands		Jun. 30, 2015	Dec. 31, 2014
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 5,858	$ 6,792
Total Current		1,453,087	1,407,813
Total Loans		1,474,265	1,431,374
30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		4,794	4,739
60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 1,064	$ 2,053
90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due
Commercial, Financial and Agricultural [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 57	$ 507
Total Current		150,639	135,911
Total Loans		151,116	136,925
Commercial, Financial and Agricultural [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 57	352
Commercial, Financial and Agricultural [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due			$ 155
Commercial, Financial and Agricultural [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due
Real Estate - Construction [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due			$ 690
Total Current		$ 43,883	40,482
Total Loans		$ 44,216	41,596
Real Estate - Construction [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due			$ 690
Real Estate - Construction [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due
Real Estate - Construction [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due
Real Estate - Commercial Mortgage [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 2,708	$ 2,270
Total Current		501,859	502,044
Total Loans		510,962	510,120
Real Estate - Commercial Mortgage [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		2,640	1,701
Real Estate - Commercial Mortgage [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 68	$ 569
Real Estate - Commercial Mortgage [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due
Real Estate - Residential [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 1,831	$ 1,829
Total Current		288,572	287,403
Total Loans	[1]	296,381	295,969
Real Estate - Residential [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		1,020	682
Real Estate - Residential [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 811	$ 1,147
Real Estate - Residential [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due
Real Estate - Home Equity [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 451	$ 774
Total Current		227,842	226,254
Total Loans		230,388	229,572
Real Estate - Home Equity [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 451	689
Real Estate - Home Equity [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due			$ 85
Real Estate - Home Equity [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due
Consumer [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 811	$ 722
Total Current		240,292	215,719
Total Loans		241,202	217,192
Consumer [Member] | 30-59 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		626	625
Consumer [Member] | 60-89 DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due		$ 185	$ 97
Consumer [Member] | 90 +DPD [Member]
Aging of the recorded investment in past due loans by class of loans
Total Past Due
[1]	Includes loans in process with outstanding balances of $12.6 million and $7.4 million at June 30, 2015 and December 31, 2014, respectively.

LOANS, NET (Details 4)

LOANS, NET (Details 4) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Activity in the allowance for loan losses by portfolio class
Beginning Balance	$ 16,090	$ 22,110	$ 17,539	$ 23,095
Provision for Loan Losses	375	499	668	858
Charge-Offs	(1,813)	(2,606)	(4,070)	(4,750)
Recoveries	584	540	1,099	1,340
Net Charge-Offs	(1,229)	(2,066)	(2,971)	(3,410)
Ending Balance	15,236	20,543	15,236	20,543
Commercial, Financial and Agricultural [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	903	633	784	699
Provision for Loan Losses	171	114	525	(16)
Charge-Offs	(239)	(86)	(529)	(97)
Recoveries	82	45	137	120
Net Charge-Offs	(157)	(41)	(392)	23
Ending Balance	917	706	917	706
Real Estate - Construction [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	574	1,842	843	1,580
Provision for Loan Losses	$ (214)	$ (576)	$ (483)	$ (318)
Charge-Offs
Recoveries		$ 1		$ 5
Net Charge-Offs		1		5
Ending Balance	$ 360	1,267	$ 360	1,267
Real Estate - Commercial Mortgage [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	4,501	7,080	5,287	7,710
Provision for Loan Losses	5	(56)	93	(119)
Charge-Offs	(285)	(1,029)	(1,189)	(1,623)
Recoveries	54	152	84	179
Net Charge-Offs	(231)	(877)	(1,105)	(1,444)
Ending Balance	4,275	6,147	4,275	6,147
Real Estate - Residential [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	6,195	8,842	6,520	9,073
Provision for Loan Losses	(257)	15	(325)	120
Charge-Offs	(484)	(695)	(789)	(1,426)
Recoveries	200	52	248	447
Net Charge-Offs	(284)	(643)	(541)	(979)
Ending Balance	5,654	8,214	5,654	8,214
Real Estate - Home Equity [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	2,547	2,853	2,882	3,051
Provision for Loan Losses	410	523	233	717
Charge-Offs	(454)	(375)	(636)	(778)
Recoveries	33	65	57	76
Net Charge-Offs	(421)	(310)	(579)	(702)
Ending Balance	2,536	3,066	2,536	3,066
Consumer [Member]
Activity in the allowance for loan losses by portfolio class
Beginning Balance	1,370	860	1,223	982
Provision for Loan Losses	260	479	625	474
Charge-Offs	(351)	(421)	(927)	(826)
Recoveries	215	225	573	513
Net Charge-Offs	(136)	(196)	(354)	(313)
Ending Balance	$ 1,494	$ 1,143	$ 1,494	$ 1,143

LOANS, NET (Details 5)

LOANS, NET (Details 5) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	$ 4,803	$ 5,782	$ 6,701
Loans Collectively Evaluated for Impairment	10,433	11,757	13,842
Ending Balance	15,236	17,539	20,543
Commercial, Financial and Agricultural [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	288	293	185
Loans Collectively Evaluated for Impairment	629	491	521
Ending Balance	$ 917	$ 784	706
Real Estate - Construction [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment			63
Loans Collectively Evaluated for Impairment	$ 360	$ 843	1,204
Ending Balance	360	843	1,267
Real Estate - Commercial Mortgage [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	2,070	2,733	3,565
Loans Collectively Evaluated for Impairment	2,205	2,554	2,582
Ending Balance	4,275	5,287	6,147
Real Estate - Residential [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	1,980	2,113	2,563
Loans Collectively Evaluated for Impairment	3,674	4,407	5,651
Ending Balance	5,654	6,520	8,214
Real Estate - Home Equity [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	453	638	305
Loans Collectively Evaluated for Impairment	2,083	2,244	2,761
Ending Balance	2,536	2,882	3,066
Consumer [Member]
Period-end amount allocated to:
Loans Individually Evaluated for Impairment	12	5	20
Loans Collectively Evaluated for Impairment	1,482	1,218	1,123
Ending Balance	$ 1,494	$ 1,223	$ 1,143

LOANS, NET (Details 6)

LOANS, NET (Details 6) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	$ 53,178	$ 57,093	$ 67,866
Financing Receivable, Collectively Evaluated for Impairment	1,421,087	1,374,281	1,337,725
Total	1,474,265	1,431,374	1,405,591
Commercial, Financial and Agricultural [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	1,072	1,040	1,378
Financing Receivable, Collectively Evaluated for Impairment	150,044	135,885	133,455
Total	151,116	136,925	134,833
Real Estate - Construction [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	311	401	821
Financing Receivable, Collectively Evaluated for Impairment	43,905	41,195	33,423
Total	44,216	41,596	34,244
Real Estate - Commercial Mortgage [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	29,746	32,242	40,516
Financing Receivable, Collectively Evaluated for Impairment	481,216	477,878	478,064
Total	510,962	510,120	518,580
Real Estate - Residential [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	18,918	20,120	22,273
Financing Receivable, Collectively Evaluated for Impairment	277,463	275,849	283,556
Total	296,381	295,969	305,829
Real Estate - Home Equity [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	2,960	3,074	2,563
Financing Receivable, Collectively Evaluated for Impairment	227,428	226,498	225,669
Total	230,388	229,572	228,232
Consumer [Member]
Recorded investment in loans related to each balance in the allowance for loan losses
Individually Evaluated for Impairment	171	216	315
Financing Receivable, Collectively Evaluated for Impairment	241,031	216,976	183,558
Total	$ 241,202	$ 217,192	$ 183,873

LOANS, NET (Details 7)

LOANS, NET (Details 7) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance	$ 53,178	$ 57,093
Recorded Investment With No Allowance	17,762	18,827
Recorded Investment With Allowance	35,416	38,266
Related Allowance	4,803	5,782
Commercial, Financial and Agricultural [Member]
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance	1,072	1,040
Recorded Investment With No Allowance	176	189
Recorded Investment With Allowance	896	851
Related Allowance	288	293
Real Estate - Construction [Member]
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance	311	401
Recorded Investment With No Allowance	$ 311	$ 401
Recorded Investment With Allowance
Related Allowance
Real Estate - Commercial Mortgage [Member]
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance	$ 29,746	$ 32,242
Recorded Investment With No Allowance	11,626	11,984
Recorded Investment With Allowance	18,120	20,258
Related Allowance	2,070	2,733
Real Estate - Residential [Member]
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance	18,918	20,120
Recorded Investment With No Allowance	4,578	5,492
Recorded Investment With Allowance	14,340	14,628
Related Allowance	1,980	2,113
Real Estate - Home Equity [Member]
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance	2,960	3,074
Recorded Investment With No Allowance	1,046	758
Recorded Investment With Allowance	1,914	2,316
Related Allowance	453	638
Consumer [Member]
Loans individually evaluated for impairment by class of loans
Unpaid Principal Balance	171	216
Recorded Investment With No Allowance	25	3
Recorded Investment With Allowance	146	213
Related Allowance	$ 12	$ 5

LOANS, NET (Details 8)

LOANS, NET (Details 8) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Average recorded investment and interest income recognized by class of impaired loans
Average Recorded Investment	$ 54,602	$ 72,050	$ 55,432	$ 73,464
Total Interest Income	560	733	1,051	1,510
Commercial, Financial and Agricultural [Member]
Average recorded investment and interest income recognized by class of impaired loans
Average Recorded Investment	1,162	1,482	1,121	1,514
Total Interest Income	11	17	22	35
Real Estate - Construction [Member]
Average recorded investment and interest income recognized by class of impaired loans
Average Recorded Investment	$ 356	689	$ 371	645
Total Interest Income		1		2
Real Estate - Commercial Mortgage [Member]
Average recorded investment and interest income recognized by class of impaired loans
Average Recorded Investment	$ 30,480	45,215	$ 31,067	46,801
Total Interest Income	310	389	571	917
Real Estate - Residential [Member]
Average recorded investment and interest income recognized by class of impaired loans
Average Recorded Investment	19,379	21,558	19,626	21,195
Total Interest Income	214	307	411	517
Real Estate - Home Equity [Member]
Average recorded investment and interest income recognized by class of impaired loans
Average Recorded Investment	3,042	2,768	3,053	2,965
Total Interest Income	23	17	43	34
Consumer [Member]
Average recorded investment and interest income recognized by class of impaired loans
Average Recorded Investment	183	338	194	344
Total Interest Income	$ 2	$ 2	$ 4	$ 5

LOANS, NET (Details 9)

LOANS, NET (Details 9) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Risk category of loans by segment
Loans Receivable	$ 115,380	$ 142,370
Commercial, Financial and Agricultural [Member]
Risk category of loans by segment
Loans Receivable	10,281	10,876
Real Estate [Member]
Risk category of loans by segment
Loans Receivable	104,392	130,227
Consumer [Member]
Risk category of loans by segment
Loans Receivable	707	1,267
Special Mention [Member]
Risk category of loans by segment
Loans Receivable	46,228	59,233
Special Mention [Member] | Commercial, Financial and Agricultural [Member]
Risk category of loans by segment
Loans Receivable	8,686	8,059
Special Mention [Member] | Real Estate [Member]
Risk category of loans by segment
Loans Receivable	37,412	51,060
Special Mention [Member] | Consumer [Member]
Risk category of loans by segment
Loans Receivable	130	114
Substandard [Member]
Risk category of loans by segment
Loans Receivable	69,152	83,137
Substandard [Member] | Commercial, Financial and Agricultural [Member]
Risk category of loans by segment
Loans Receivable	1,595	2,817
Substandard [Member] | Real Estate [Member]
Risk category of loans by segment
Loans Receivable	66,980	79,167
Substandard [Member] | Consumer [Member]
Risk category of loans by segment
Loans Receivable	$ 577	$ 1,153
Doubtful [Member]
Risk category of loans by segment
Loans Receivable
Doubtful [Member] | Commercial, Financial and Agricultural [Member]
Risk category of loans by segment
Loans Receivable
Doubtful [Member] | Real Estate [Member]
Risk category of loans by segment
Loans Receivable
Doubtful [Member] | Consumer [Member]
Risk category of loans by segment
Loans Receivable

LOANS, NET (Details 10)

LOANS, NET (Details 10) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Loans classified as TDRs
Accruing	$ 41,632	$ 44,410
Nonaccruing	3,357	4,745
Commercial, Financial and Agricultural [Member]
Loans classified as TDRs
Accruing	778	838
Nonaccruing	$ 253	$ 266
Real Estate - Construction [Member]
Loans classified as TDRs
Accruing
Nonaccruing
Real Estate - Commercial Mortgage [Member]
Loans classified as TDRs
Accruing	$ 23,646	$ 26,565
Nonaccruing	952	1,591
Real Estate - Residential [Member]
Loans classified as TDRs
Accruing	15,071	14,940
Nonaccruing	1,995	2,532
Real Estate - Home Equity [Member]
Loans classified as TDRs
Accruing	1,969	1,856
Nonaccruing	157	356
Consumer [Member]
Loans classified as TDRs
Accruing	$ 168	$ 211
Nonaccruing

LOANS, NET (Details 11)

LOANS, NET (Details 11) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2015USD ($)Number	Jun. 30, 2014USD ($)Number	Jun. 30, 2015USD ($)Number	Jun. 30, 2014USD ($)Number
Loans classified as TDRs
Number of Contracts | Number		2	4	7	13
Pre-Modified Recorded Investment		$ 262	$ 331	$ 1,183	$ 2,084
Post-Modified Recorded Investment	[1]	$ 262	$ 377	$ 1,156	$ 2,187
Commercial, Financial and Agricultural [Member]
Loans classified as TDRs
Number of Contracts | Number					1
Pre-Modified Recorded Investment					$ 51
Post-Modified Recorded Investment					$ 54
Real Estate - Construction [Member]
Loans classified as TDRs
Number of Contracts | Number
Pre-Modified Recorded Investment
Post-Modified Recorded Investment
Real Estate - Commercial Mortgage [Member]
Loans classified as TDRs
Number of Contracts | Number		1	1	2	2
Pre-Modified Recorded Investment		$ 58	$ 60	$ 515	$ 644
Post-Modified Recorded Investment		$ 58	$ 60	$ 515	$ 644
Real Estate - Residential [Member]
Loans classified as TDRs
Number of Contracts | Number		1	3	5	6
Pre-Modified Recorded Investment		$ 204	$ 271	$ 668	$ 1,107
Post-Modified Recorded Investment		$ 204	$ 317	$ 641	$ 1,207
Real Estate - Home Equity [Member]
Loans classified as TDRs
Number of Contracts | Number					3
Pre-Modified Recorded Investment					$ 248
Post-Modified Recorded Investment					$ 248
Consumer [Member]
Loans classified as TDRs
Number of Contracts | Number					1
Pre-Modified Recorded Investment					$ 34
Post-Modified Recorded Investment					$ 34
[1]	Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

LOANS, NET (Details 12)

LOANS, NET (Details 12) - Jun. 30, 2014 $ in Thousands	USD ($)Number	USD ($)Number
Loans modified as TDRs within the previous 12 months and subsequently defaulted
Number of Contracts	2	2
Post-Modified Recorded Investment | $	$ 271	$ 271
Commercial, Financial and Agricultural [Member]
Loans modified as TDRs within the previous 12 months and subsequently defaulted
Number of Contracts
Post-Modified Recorded Investment | $
Real Estate - Construction [Member]
Loans modified as TDRs within the previous 12 months and subsequently defaulted
Number of Contracts
Post-Modified Recorded Investment | $
Real Estate - Commercial Mortgage [Member]
Loans modified as TDRs within the previous 12 months and subsequently defaulted
Number of Contracts
Post-Modified Recorded Investment | $
Real Estate - Residential [Member]
Loans modified as TDRs within the previous 12 months and subsequently defaulted
Number of Contracts	1	1
Post-Modified Recorded Investment | $	$ 118	$ 118
Real Estate - Home Equity [Member]
Loans modified as TDRs within the previous 12 months and subsequently defaulted
Number of Contracts	1	1
Post-Modified Recorded Investment | $	$ 153	$ 153
Consumer [Member]
Loans modified as TDRs within the previous 12 months and subsequently defaulted
Number of Contracts
Post-Modified Recorded Investment | $

LOANS, NET (Details 13)

LOANS, NET (Details 13) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2015USD ($)Number	Jun. 30, 2014USD ($)Number	Jun. 30, 2015USD ($)Number	Jun. 30, 2014USD ($)Number
Financing Receivable, Modifications [Line Items]
Number of Contracts		2	4	7	13
Post-Modified Recorded Investment | $	[1]	$ 262	$ 377	$ 1,156	$ 2,187
Extended Amortization [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts			3	1	6
Post-Modified Recorded Investment | $	[1]		$ 317	$ 118	$ 1,579
Interest Rate Adjustment [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts				1	1
Post-Modified Recorded Investment | $	[1]			$ 156	$ 156
Extended Amortization And Interest Rate Adjustment [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts		2	1	5	3
Post-Modified Recorded Investment | $	[1]	$ 262	$ 60	$ 882	$ 257
Other [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts					3
Post-Modified Recorded Investment | $	[1]				$ 195
[1]	Recorded investment reflects charge-offs and additional funds advanced at time of restructure, if applicable.

OTHER REAL ESTATE OWNED (Detail

OTHER REAL ESTATE OWNED (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Other Real Estate [Roll Forward]
Beginning Balance	$ 33,835	$ 44,036	$ 35,680	$ 48,071
Additions	1,088	7,977	2,830	9,267
Valuation Write-Downs	(505)	(822)	(1,306)	(1,552)
Sales	(4,026)	$ (8,612)	(6,763)	$ (13,207)
Other	(225)		(274)
Ending Balance	$ 30,167	$ 42,579	$ 30,167	$ 42,579

OTHER REAL ESTATE OWNED (Deta44

OTHER REAL ESTATE OWNED (Details 2) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Other Real Estate [Abstract]
Gains from the Sale of Properties	$ (534)	$ (88)	$ (655)	$ (334)
Losses from the Sale of Properties	348	808	658	1,164
Rental Income from Properties	(43)	(62)	(231)	(275)
Property Carrying Costs	655	795	1,350	1,567
Valuation Adjustments	505	823	1,306	1,553
Total	$ 931	$ 2,276	$ 2,428	$ 3,675

EMPLOYEE BENEFIT PLANS (Details

EMPLOYEE BENEFIT PLANS (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Defined Benefit Pension Plan [Member]
Components of Net Periodic Benefit Costs:
Service Cost	$ 1,675	$ 1,500	$ 3,350	$ 3,000
Interest Cost	1,425	1,400	2,850	2,800
Expected Return on Plan Assets	(1,950)	(1,875)	(3,900)	(3,750)
Prior Service Cost Amortization	75	75	150	150
Net Gain (Loss) Amortization	800	325	1,600	650
Net Periodic Benefit Cost (Income)	$ 2,025	$ 1,425	$ 4,050	$ 2,850
Discount Rate (in percent)	4.15%	5.00%	4.15%	5.00%
Expected Return on Plan Assets (in percent)	7.50%	7.50%	7.50%	7.50%
Supplemental Executive Retirement Plan [Member]
Components of Net Periodic Benefit Costs:
Interest Cost	$ 28	$ 28	$ 55	$ 55
Prior Service Cost Amortization	2	40	5	80
Net Gain (Loss) Amortization	(90)	(183)	(180)	(365)
Net Periodic Benefit Cost (Income)	$ (60)	$ (115)	$ (120)	$ (230)
Discount Rate (in percent)	4.15%	5.00%	4.15%	5.00%

COMMITMENTS AND CONTINGENCIES46

COMMITMENTS AND CONTINGENCIES (Details) - USD ($) $ in Thousands		Jun. 30, 2015	Dec. 31, 2014
Loss Contingencies [Line Items]
Fixed		$ 60,810	$ 41,940
Variable		286,645	278,438
Total		347,455	320,378
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Fixed	[1]	53,821	33,633
Variable	[1]	286,645	278,438
Total	[1]	340,466	312,071
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Fixed		$ 6,989	$ 8,307
Variable
Total		$ 6,989	$ 8,307
[1]	Commitments include unfunded loans, revolving lines of credit, and other unused commitments.

COMMITMENTS AND CONTINGENCIES47

COMMITMENTS AND CONTINGENCIES (Details Textuals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Sep. 30, 2014	Mar. 31, 2011	Jun. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Pre-tax gain on Class B shares		$ 3,200
Quartely payment until settlement is finalized	$ 161		$ 62

FAIR VALUE MEASUREMENTS (Detail

FAIR VALUE MEASUREMENTS (Details) - Fair Value, Measurements, Recurring [Member] - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 243,990	$ 186,031
U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	102,998	96,097
States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	75,874	48,388
Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	2,131	2,287
Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	8,695	8,745
Level 1 Inputs [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 243,990	$ 186,031
Level 1 Inputs [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure
Level 1 Inputs [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure
Level 1 Inputs [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure
Level 1 Inputs [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 2 [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 102,998	$ 96,097
Fair Value, Inputs, Level 2 [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure	75,874	48,388
Fair Value, Inputs, Level 2 [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	2,131	2,287
Fair Value, Inputs, Level 2 [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure	$ 8,695	$ 8,745
Fair Value, Inputs, Level 3 [Member] | U.S. Government Treasury [Member]
ASSETS:
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 3 [Member] | U.S. Government Agency [Member]
ASSETS:
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 3 [Member] | States and Political Subdivisions [Member]
ASSETS:
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 3 [Member] | Mortgage-Backed Securities [Member]
ASSETS:
Assets, Fair Value Disclosure
Fair Value, Inputs, Level 3 [Member] | Equity Securities [Member]
ASSETS:
Assets, Fair Value Disclosure

FAIR VALUE MEASUREMENTS (Deta49

FAIR VALUE MEASUREMENTS (Details 2) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
ASSETS:
Short-Term Investments	$ 185,572	$ 329,589
Investment Securities Available for Sale	433,688	341,548
Investment Securities Held to Maturity	201,929	163,412
Carrying (Reported) Amount, Fair Value Disclosure [Member]
ASSETS:
Cash	61,484	55,467
Short-Term Investments	185,572	329,589
Investment Securities Available for Sale	433,688	341,548
Investment Securities Held to Maturity	201,805	163,581
Loans Held for Sale	10,991	10,688
Loans, Net of Allowance for Loan Losses	1,459,029	1,413,835
LIABILITIES:
Deposits	2,164,644	2,146,794
Short-Term Borrowings	53,698	49,425
Subordinated Notes Payable	62,887	62,887
Long-Term Borrowings	29,733	31,097
Level 1 Inputs [Member]
ASSETS:
Cash	61,484	55,467
Short-Term Investments	185,572	329,589
Investment Securities Available for Sale	243,990	186,031
Investment Securities Held to Maturity	$ 135,358	$ 76,317
Loans Held for Sale
Loans, Net of Allowance for Loan Losses
LIABILITIES:
Deposits
Short-Term Borrowings
Subordinated Notes Payable
Long-Term Borrowings
Fair Value, Inputs, Level 2 [Member]
ASSETS:
Cash
Short-Term Investments
Investment Securities Available for Sale	$ 189,698	$ 155,517
Investment Securities Held to Maturity	66,571	87,095
Loans Held for Sale	10,991	$ 10,688
Loans, Net of Allowance for Loan Losses
LIABILITIES:
Deposits	2,094,514	$ 2,146,510
Short-Term Borrowings	53,700	48,760
Subordinated Notes Payable	45,639	62,887
Long-Term Borrowings	$ 30,687	$ 32,313
Fair Value, Inputs, Level 3 [Member]
ASSETS:
Cash
Short-Term Investments
Investment Securities Available for Sale
Investment Securities Held to Maturity
Loans Held for Sale
Loans, Net of Allowance for Loan Losses	$ 1,471,717	$ 1,369,314
LIABILITIES:
Deposits
Short-Term Borrowings
Subordinated Notes Payable
Long-Term Borrowings

OTHER COMPREHENSIVE INCOME (Det

OTHER COMPREHENSIVE INCOME (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Investment Securities Before Tax Amount [Abstract]
Change in net unrealized gain/loss on securities available for sale before tax	$ (117)	$ 257	$ 1,029	$ 252
Amortization of unrealized losses on securities transferred from available for sale to held to maturity before tax	19	16	36	36
Other comprehensive income (loss), before tax	(98)	273	1,065	288
Investment Securities Tax Expense (Benefit) [Abstract]
Change in net unrealized gain/loss on securities available for sale tax expense (benefit)	44	(99)	(397)	(98)
Amortization of unrealized losses on securities transferred from available for sale to held to maturity tax expense (benefit)	(7)	(6)	(14)	(14)
Other comprehensive income (loss), tax expense (benefit)	37	(105)	(411)	(112)
Investment Securities Net of Tax Amount [Abstract]
Change in net unrealized gain/loss on securities available for sale Net of Tax amount	(73)	158	632	154
Amortization of unrealized losses on securities transferred from available for sale to held to maturity net of tax	12	10	22	22
Total other comprehensive income (loss) Net of Tax	$ (61)	$ 168	$ 654	$ 176

OTHER COMPREHENSIVE INCOME (D51

OTHER COMPREHENSIVE INCOME (Details 2) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining			$ (21,509)
Other comprehensive loss during the period	$ (61)	$ 168	654	$ 176
Balance, Ending	(20,855)		(20,855)
Securities Available for Sale [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining			59	(132)
Other comprehensive loss during the period			654	176
Balance, Ending	713	44	713	44
Retirement Plans [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining			$ (21,568)	$ (8,408)
Other comprehensive loss during the period
Balance, Ending	(21,568)	(8,408)	$ (21,568)	$ (8,408)
Other Comprehensive Income / Loss [Member]
Activity in accumulated other comprehensive loss, net of tax
Balance, Begining			(21,509)	(8,540)
Other comprehensive loss during the period			654	176
Balance, Ending	$ (20,855)	$ (8,364)	$ (20,855)	$ (8,364)